Azzamzami, Muhammad Rechardian Ainunnajib (2016) Upaya Penanganan Kredit Bermasalah Dengan Jaminan Fidusia Yang Telah Dialihkan Oleh Debitur Tanpa Persetujuan Kreditur (Studi Di Pt. Wahana Ottomitra Multiartha Cabang Kota Malang). Sarjana thesis, Universitas Brawijaya.
Abstract
Kondisi empiris pada PT. Wahana Ottomitra Multiartha cabang Malang terkait pengalihan objek jaminan fidusia yaitu terjadi 572 kasus kredit bermasalah dengan jaminan fidusia yang dialihkan oleh debitur tanpa persetujuan kreditur. Padahal, dalam pasal 23 ayat 2 Undang-Undang Nomor 42 Tahun 1999 telah dijelaskan larangan untuk debitur mengalihkan jaminan fidusia tanpa pesetujuan kreditur. Selain diatur dalam pasal tersebut, sebenarnya larangan untuk tidak mengalihkan objek jaminan ini telah diatur dalam perjanjian pengikatan jaminan. Berdasarkan latar belakang permasalahan di atas, adapun rumusan pokok permasalahan yang akan diangkat dalam penulisan penelitian ini dirumuskan dalam bentuk pertanyaan sebagai berikut: (1) Bagaimana upaya penanganan yang dilakukan oleh PT.Wahana Ottomitra Multiarthacabang Malang terkait kredit bermasalah dengan jaminan fidusia yang dialihkan oleh debitur tanpa persetujuan kreditur?; (2) Apa kendala yang dialami oleh PT.Wahana Ottomitra Multiarthacabang Malang dalam melaksanakan upaya penanganan kredit bermasalah dengan jaminan fidusia yang telah dialihkan oleh debitur tanpa persetujuan kreditur?. Pengumupulan data menggunakan data primer dan data sekunder, teknik pengambilan data primer dengan wawancara sedangkan data sekunder dengan pengambilan data pada PT. Wahana Ottomitra Multiartha cabang Malang . Analisis data menggunakan deskriptif kualitatif. Berdasarkan hasil penelitian, didapatkan kesimpulan bahwa PT. Wahana Ottomitra Multiartha cabang Malang telah melakukan upaya-upaya penanganan untuk mengatasi permasalahan tersebut, yaitu dengan visiting, pencarian objek jaminan, pelaporan ke kepolisian, membawa kasus tersebut ke pengadilan. Dalam melaksanakan upaya tersebut didapati kendala-kendala yang terbagi atas kendala internal dan kendala eksternal. Kendala internal menitik beratkan pada kurangnya anggaran dan kurangnya pengetahuan dari pegawai sedangkan kendala eksternal menitik beratkan pada karakter debitur, dan lamanya proses penanganan kasus.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2016/306/051612043 |
| Subjects: | 300 Social sciences > 340 Law |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | Nur Cholis |
| Date Deposited: | 25 Nov 2016 14:41 |
| Last Modified: | 19 May 2022 06:59 |
| URI: | http://repository.ub.ac.id/id/eprint/112724 |
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