Electronic Theses and Dissertation

Pasal 25 Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia mengatur hapusnya jaminan fidusia dan musnahnya objek jaminan fidusia tidak menghapuskan klaim asuransi sebagaimana yang dimaksud dalam Pasal 10 huruf b. Dalam praktik, pada PT. Capella Multidana cabang Kota Banda Aceh terdapat peristiwa dimana benda yang dijadikan jaminan fidusia musnah akibat pencurian. Tetapi, adanya ketidakjelasan tentang pihak yang bertanggung jawab dalam perjanjian khususnya perjanjian kredit. Akibat kehilangan kendaraan yang dijadikan objek jaminan fidusia akan menimbulkan persoalan hukum terkait dengan tanggung jawab atas pelunasan hutang debitur. Penulisan skripsi ini bertujuan untuk menjelaskan pelaksanaan perjanjian pembiayaan kendaraan bermotor yang dibebani jaminan fidusia pada PT. Capella Multidana cabang Kota Banda Aceh. Menjelaskan perlindungan hukum serta akibat hukum bagi pihak-pihak atas hilangnya kendaraan bermotor yang dijadikan objek jaminan fidusia. Metode penelitian yang digunakan adalah yuridis empiris. Data penelitian didapatkan dari hasil penelitian kepustakaan melalui studi dokumen dan penelitian lapangan dengan melakukan observasi serta wawancara bersama responden dan informan. Data dianalisis dengan cara kualitatif. Dari hasil penelitian didapatkan bahwasanya perjanjian antara kreditur dan debitur/konsumen dibuat secara tertulis dalam bentuk perjanjian baku. Perlindungan hukum debitur meliputi beberapa kebijakan oleh PT. Capella Multidana yaitu debitur perlu melaporkan hilangnya kendaraan ke polisi untuk mendapatkan Surat Keterangan Kehilangan, mengumpulkan dan memproses berkas yang diperlukan untuk klaim asuransi dan tetap memiliki hak untuk melunasi sisa utang jika asuransi tidak mencukupi. Untuk melindungi kepentingan kreditur, dapat disediakan opsi atau mewajibkan konsumen mengasuransikan kendaraan bermotor yang dijadikan jaminan fidusia.

Article 25 of Law Number 42 of 1999 concerning Fiduciary Guarantees regulates that the elimination of fiduciary guarantees and the destruction of fiduciary collateral objects does not eliminate insurance claims as intended in Article 10 letter b. In practice, at PT. Capella Multidana Banda Aceh City branch had an incident where objects used as fiduciary collateral were destroyed due to theft. However, there is a lack of clarity regarding the party responsible for the agreement, especially the credit agreement. The result of losing a vehicle that is the object of fiduciary collateral will give rise to legal issues related to responsibility for repayment of the debtor's debt. The aim of writing this thesis is to explain the implementation of motor vehicle financing agreements which are burdened with fiduciary guarantees at PT. Capella Multidana Banda Aceh City branch. Explains legal protection and legal consequences for the parties for the loss of a motor vehicle which is the object of fiduciary collateral. The research method used is empirical juridical. Research data was obtained from the results of library research through document studies and field research by conducting observations and interviews with respondents and informants. Data was analyzed qualitatively. The research results show that the agreement between creditors and debtors/consumers is made in writing in the form of a standard agreement. Debtor legal protection includes several policies by PT. Capella Multidana, namely the debtor needs to report the loss of the vehicle to the police to obtain a Loss Certificate, collect and process the files required for the insurance claim and still have the right to pay off the remaining debt if the insurance is insufficient. To protect the interests of creditors, an option can be provided or require consumers to insure motor vehicles that are used as fiduciary collateral.