Legal Analysis Of The Taking Of Fiduciary Objects By Debt Collectors Of Financial Institutions In Malang
DOI:
https://doi.org/10.31328/wglr.v2i1.706Keywords:
Credit, Fiduciar, Execution, Debt CollectorAbstract
The use of debt collector services in carrying out the function of settlement of bad debt in multipurpose financing agreements by creditors still causes problems when creditors neglect their responsibility to carry out the execution of fiduciary guarantees by procedures or debt collectors of creditor envoys who ignore the legal protection of debtors and the ethics of debt collection correctly. The subject matter of this research is related to the responsibility of creditors and legal protection of debtors for the execution of fiduciary guarantees by third parties associated with the settlement of bad loan multipurpose financing agreements. This research uses normative juridical research methods with a statutory and case approach that is reviewed based on secondary data sources. Research data collection is carried out by literature studies with qualitative data analysis techniques, which include descriptive analysis. Based on the results of research, it can be concluded that the form of accountability for unlawful acts committed by debt collectors can be achieved by placing the burden of creditor responsibility to pay compensation. In addition, the protection of the debtor's legal form can be characterized by the obligation of creditors and debt collectors of their envoys to comply with the provisions mandated by the laws and regulations and sanction those who violate them. The author's advice to creditors involves debt collectors in the execution of fiduciary guarantees, to evaluate the policies, procedures, and processes of settlement of bad credit by applicable legislation.
References
Anwar, F., & Putri, D. “Dampak Kebijakan DMO Dan DPO Terhadap Stabilitas Harga Minyak Goreng.” Jurnal Ekonomi Pembangunan 11, no. 1 (2023): 89–104.
Bagas Novantyo Wibowo. “Prosedur Penarikan Kendaraan Oleh Leasing.” SIP Law Firm, 2023. https://siplawfirm.id/prosedur-penarikan-kendaraan-oleh-leasing/?lang=id.
Dewi, S. P. “Analisis Hukum Terhadap Praktik Penimbunan Minyak Goreng.” Jurnal Ilmu Hukum 16, no. 1 (2022): 55–70.
Fauzi, A., & Sari, R. “Pengaruh Kartel Terhadap Harga Minyak Goreng Di Pasar Tradisional.” Jurnal Hukum Dan Pembangunan Ekonomi 50, no. 1 (2020): 75–90.
Hadi, Sofian Maulana. “Perlindungan Hukum Bagi Debitur Akibat Perbuatan Melawan Hukum Yang Dilakukan Oleh Perusahaan Pembiayaan Kendaraan Bermotor,” n.d. file:///C:/Users/User/Downloads/102815-1033-363466-1-10-20230703 (2).Pdf.
Handayani, Prika. “Pertanggungjawaban Pidana Debt Collector Yang Melakukan Tindak Pidana Perampasan Dalam Kredit Bermasalah,” 2019. file:///C:/Users/User/Downloads/5059-14001-1-SM (1).Pdf.
Ibrahim. Metodelogi Penelitian Kualitatif. Bandung: Alfabeta, 2015.
Ishaq. Metode Penelitian Hukum. 1st ed. Bandung: CV. Alfabeta, 2017.
Jihan, Mia Rosan. “Penarikan Paksa Kendaraan Oleh Debt Collector Akibat Kredit Macet Dalam Pembiayaan Konsumen.” Universitas Jember, 2019.
Kementerian Perdagangan Republik Indonesia. Peraturan Menteri Perdagangan Tentang Ketentuan Ekspor Minyak Goreng. Jakarta: Kemendag, 2021.
Keuangan, Meteri. “Peraturan Menteri Keuangan Nomor 130/PMK.010/2012 Tentang Pendaftaran Jaminan Fidusia Bagi Perusahaan Pembiayaan Yang Melakukan Pembiayaan Konsumen Untuk Kendaraan Bermotor Dengan Pembebanan Jaminan Fidusia,” 2012.
Komisi Pemberantasan Korupsi (KPK). Laporan Penanganan Kasus Mafia Minyak Goreng. Jakarta: KPK, 2023.
Konstitusi, Mahkamah. “Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019,” 2019.
“KUHP,” n.d.
Kurniawan, Gede Agung. “Analisis Hukum Terhadap Debt Collector Dalam Melakukan Penarikan Kendaraan Bermotor,” n.d.
Masjcho, Sri Soedewi. Hukum Jaminan Di Indonesia Pokok-Pokok Hukum Jaminan Dan Jaminan Perorangan. Yogyakarta: Liberty, 1985.
Melakukan, Dalam, and Penarikan Kendaraan. “Analisis Hukum Terhadap Debt Collector,” n.d.
Muslih, M. “Peran Pengawasan Pemerintah Dalam Menanggulangi Praktik Penimbunan Komoditas Strategis.” Jurnal Kebijakan Publik 8, no. 1 (2023): 33–48.
Nasution, H. “Tata Kelola Industri Sawit Dan Tantangan Penegakan Hukum Di Indonesia.” Jurnal Agraria Dan Tata Ruang 5, no. 2 (2021): 101–15.
Online, Tim Hukum. “Debt Collector Di Mata Hukum Dan Etika Penagihan Utang.” Accessed July 27, 2023. https://www.hukumonline.com/Berita/A/Debt-Collector-Lt620ba14504f8b/?Page=All.
Pandjaitan, Luhut Binsar. Pernyataan Resmi Terkait Pengawasan Distribusi Minyak Goreng. Kementerian Koordinator Bidang Kemaritiman dan Investasi, n.d.
Pemerintah. Undang-Undang Republik Indonesia Nomor 5 Tahun 1999 tentang Larangan Praktek Monopoli dan Persaingan Usaha Tidak Sehat (1999).
Pemerintah Indonesia. Undang-Undang Republik Indonesia Nomor 31 Tahun 1999 tentang Pemberantasan Tindak Pidana Korupsi (1999).
———. “Undang-Undang Republik Indonesia Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen.” 1999.
Pemerintah RI. “Undang-Undang Republik Indonesia Nomor 42 Tahun 1999 Tentang Jaminan Fidusia,” 1999.
Saliman, Abdul R. Hukum Bisnis Untuk Perusahaan. Jakarta: Kencana Prenada Media Group, 2005.
Setiawan, B. “Investigasi Kasus Mafia Minyak Goreng: Aspek Hukum Dan Ekonomi.” Jurnal Hukum Nasional 14, no. 3 (2022): 210–25.
Sofwan, Sri Soedewi Masjchoen. Hukum Jaminan Di Indonesia Pokok-Pokok Hukum Jaminan Dan Jaminan Perorangan. Yogyakarta: Liberty, 1985.
Sunaryo. Hukum Lembaga Pembiayaan. Jakarta: Sinar Grafika, 2008.
Tobing, Rudyanti Dorotea. Hukum Perjanjian Kredit. Malang: Laksbang Grafika 1985, 2014.
Wijayanti, D. “Kartel Dan Dampaknya Terhadap Pasar Minyak Goreng Di Indonesia.” Jurnal Ekonomi Dan Bisnis 12, no. 2 (2018): 145–60.
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 Trione Panjukang, Zulkarnain Hanafi, Ibnu Subarkah
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
