Pamungkas, PanjiYuda (2013) Perlindungan Hukum Bagi Penjamin Dalam Perjanjian Jaminan Perorangan (Borgtocht) Pada Pt.Bank Artha Graha Internasional, Tbk Cabang Samarinda. Magister thesis, Universitas Brawijaya.
Abstract
Dalam praktek jaminan perorangan di PT Bank Artha Graha Internasional, Tbk pihak penjamin diwajibkan untuk melepaskan semua hak istimewanya sebagaimana diatur pada pasal Pasal 1131 & Pasal 1132 KUH Perdata termasuk di antaranya tentang sita dan eksekusi harta pihak debitor terlebih dahulu. Dalam hal ini pihak penjamin tidak mengerti dengan potensi kerugian yang akan diterimanya. Berdasarkan hal-hal tersebut maka permasalahan yang akan diteliti dalam peneltian ini adalah Perlindungan Hukum Bagi Pemberi Jaminan Perorangan (Personal Guarantee) pada PT Bank Artha Graha Internasional Cabang Samarinda Berdasarkan hasil penelitian dapat disimpulkan Klausula perjanjian jaminan perorangan yang diterapkan oleh PT.Bank Artha Graha Internasional, Tbk mengesampingkan hak-hak istimewa yang dimiliki oleh seorang Penjamin sehingga pihak penjamin tidak memiliki suatu perlindungan hukum yang layak pada saat kredit macet. Hal ini dikarenakan dengan tidak dimilkinya hak-hak istimewa tersebut, harta Penjamin bisa langsung dieksekusi terlepas dari apakah pihak debitur bisa membayar kreditnya atau tidak .
English Abstract
Debtors who have a lot of creditors, it is likely not all claims are to be paid to its creditors. Therefore, Bank Artha Graha have a standard to ask special guarantee is provided that any guarantees agreed in advance by the parties. Bank Artha Graha in practice happens is that the insurer can not claim that the property owed first seized and auctioned to pay off the debt as declared in the Civil Code. Because the individual guarantor without them understood in the Individual Insurance Agreement clause obliged to relinquish all special privileges including the right to sue does first foreclosure auction on the property in case of bad credit debt. Privilege that owned the guarantor contained in Article 131 Civil Code, namely :”The Guarantors are not obligated to pay to the creditor unless the debtor neglected to pay it, in which case the debtor must also belongings seized and sold to repay the debt. The fact, The guarantor can not claim that property owned first seized and auction sto pay offf the debt as declared in the Civil Code. Because the individual guarantor without them understood in the Individual Insurance Agreement clause obliged to relinquish all special privileges including the right to sue does first foreclosure auction on the property in case of bad credit debt. Based on such things then the problem will be studied in this research is the Giver of Legal Protection Guarantee For Individuals (Personal Guarantee) at PT Bank Artha Graha International Branch Samarinda Based on the results of this study concluded that individual guarantee agreements Clause applied by PT Bank Artha Graha International, Tbk override privileges owned by a guarantor that the guarantor does not have an adequate legal protection when bad loans. This is because with not having those privileges, property the Guarantor can be directly executed regardless of whether the debtor can pay the loan or not.
| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | TES/346.082/PAM/p/041400364 |
| Subjects: | 300 Social sciences > 346 Private law |
| Divisions: | S2/S3 > Magister Ilmu Hukum, Fakultas Hukum |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 21 Apr 2014 09:49 |
| Last Modified: | 21 Apr 2014 09:49 |
| URI: | http://repository.ub.ac.id/id/eprint/156606 |
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