Sutanto, Himawan (2018) Perlindungan Hukum Terhadap Bank Sebagai Calon Kreditor Baru Dalam Proses Take Over Kredit. Magister thesis, Universitas Brawijaya.
Abstract
Dalam penelitian tesis ini, permasalahan yang diangkat berawal dari adanya suatu ketidak pastian dalam proses terjadinya take over kredit yang dilakukan oleh bank sebagai calon kreditor baru terhadap pelunasan outtsanding, dimana bank sebagai calon kreditor baru dianggap terlalu tergesa-gesa sehingga hubungan hukum antara calon kreditor dan debitor belum cukup kuat berakibat perlindungan hukum terhadap bank menjadi lemah. Berdasarkan hal tersebut, tesis ini mengangkat rumusan masalah: (1) Bagaimana hubungan hukum antara bank sebagai calon kreditor baru dengan debitor menyangkut pelunasan outstanding dalam proses take over kredit?(2) Bagaimana seharusnya perlindungan hukum terhadap bank sebagai calon kreditor baru dalam proses take over kredit yang tidak sesuai dengan aturan yang berlaku ? Penelitian ini menggunakan jenis penelitian yuridis normatif dengan menggunakan pendekatan perundang-undangan (statute approach), dan pendekatan kasus (case approach). Analisis bahan hukum pada penelitian ini menggunakan metode preskiptif secara sistematis dan gramatikal. Berdasarkan penelitian yang telah dilakukan, dapat disimpulkan bahwa hubungan hukum itu sudah ada, akan tetapi penulis pikir belum cukup kuat antara bank sebagai calon kreditor baru dengan debitor menyangkut proses take over kredit, karena bank dianggap tergesa-gesa dan tidak mengindahkan prinsip kehati-hatian bank. Bank sebagai calon kreditor baru tidak bisa memastikan surat roya bisa terbit pada hari yang sama, karena disitu status jaminan masih belum jelas sementara bank sudah melakukan pelunasan outstanding. Sehingga perlu adanya bentuk perlindungan hukum terhadap bank sebagai calon kreditor baru berupa perlindungan hukum preventif dalam bentuk penerapan prinsip kehati-hatian bank serta represif dalam bentuk penyelesaian msalah di peradilan.
English Abstract
The issue discussed in this research started from uncertainty over mechanism of credit takeover done by a bank as a new prospective creditor related to outstanding repayment, as it is observed that the bank seemed too fast to act, resulting in a weak legal protection for the bank. This thesis presents the following research problems: (1) How is the relationship between a bank as a new potential creditor and a debtor over outstanding repayment in credit takeover process? (2) How should legal protection be provided for the bank as a new prospective creditor in the process of credit takeover that is not relevant to the existing law? This research employed normative juridical method with statute and case approaches. The legal materials were systematically and grammatically analysed by means prescriptive method. The research result revealed that there was legal relationship but it was not sufficient enough to support the mechanism of credit takeover, as the bank was too fast and neglected the precautionary principles. The bank failed to ascertain the issuance of hypothec cancellation on the same day as the contract between a new creditor and a debtor was made, because the outstanding repayment was performed while the status of security was unclear. Therefore, legal protection needs to be provided for the bank as a new prospective creditor by implementing the precautionary principle of the bank, or it can be performed in a repressive way in which the case can be brought to court
Other obstract
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| Item Type: | Thesis (Magister) |
|---|---|
| Identification Number: | TES/346.073/RIS/k/2018/041809091 |
| Uncontrolled Keywords: | BANK,CREDIT |
| Subjects: | 300 Social sciences > 346 Private law > 346.07 Commercial law > 346.073 Loan |
| Divisions: | S2/S3 > Magister Kenotariatan, Fakultas Hukum |
| Depositing User: | Budi Wahyono Wahyono |
| Date Deposited: | 10 Jan 2020 06:54 |
| Last Modified: | 21 Oct 2021 01:57 |
| URI: | http://repository.ub.ac.id/id/eprint/177762 |
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