Electronic Theses and Dissertation

Pada Pasal 30 UU Jaminan Fidusia mewajibkan pemberi fidusia menyerahkan objek jaminan saat eksekusi dilakukan, Pasal 15 ayat 3 memperbolehkan kreditur menjual benda objek jaminan jika debitur wanprestasi. Putusan Mahkamah Konstitusi No. 18/PUU-XVII/2019 menegaskan cidera janji tidak ditentukan sepihak oleh kreditur melainkan atas dasar kesepekatan kreditur dan debitur atau atas dasar upaya hukum yang telah menentukan telah terjadinya cidera janji. Berdasarkan putusan tersebut maka PT Maybank Indonesia Finance Syariah Cabang Aceh mengajukan gugatan penetapan ke pengadilan terhadap putusan jaminan fidusia. Namun, ada yang diterima dan ditolak.

Penelitian ini bertujuan menjelaskan penyelesaian wanprestasi di PT Maybank Indonesia Finance Syariah Cabang Aceh, pertimbangan hakim dalam menerima atau menolak eksekusi, serta upaya yang dilakukan setelah gugatan penetapan diterima dan ditolak.

Berdasarkan permasalahan dalam penelitian ini, digunakan metode penelitian Yuridis Empiris untuk menganalisis secara langsung fakta di lapangan. Analisis ini dilakukan melalui wawancara dengan responden dan informan yang relevan dengan penelitian ini.

Hasil penelitian ini menunjukan bahwa PT Maybank Indonesia Finance Syariah Cabang Aceh dalam proses penyelesaiannya melalui tiga tahap yaitu somasi baik secara lisan ataupun tulisan, mediasi, sampai dengan mengajukan gugatan eksekusi ke pengadilan. Pertimbangan hakim dalam menerima karena dikabulkan sebagian secara verstek dan bukti yang kuat, lalu pertimbangan hakim menolak karena dianggap masih prematur sebab jangka waktu kontrak belum berakhir dan adanya itikad baik dari debitur. Upaya selanjutnya terhadap putusan yang diterima yaitu mengajukan gugatan kepada juru sita untuk mengambil objek jaminan fidusia. Sedangkan, untuk putusan yang ditolak, kreditur menemui debitur untuk menagih haknya namun objek jaminan fidusia sudah tidak berada ditangan debitur.

Disarankan bagi PT Maybank Indonesia Finance Syariah Cabang Aceh agar langsung mengajukan permohonan penetapan eksekusi jaminan fidusia ke pengadilan sesuai dengan Putusan Mahkamah Konstitusi No. 18/PUU-XVII/2019. Pemasangan alat pelacak (tracker) saat debitur memasuki fase kredit macet, dan menilai kondisi keungan debitur merupakan langkah preventif yang efektif.

Article 30 of the Fiduciary Guarantee Law requires the fiduciary to hand over the object of the guarantee when the execution is carried out, Article 15 paragraph 3 allows the creditor to sell the object of the guarantee if the debtor defaults. Constitutional Court Decision No. 18 / PUU-XVII / 2019 emphasizes that a breach of promise is not determined unilaterally by the creditor but on the basis of the agreement of the creditor and debtor or on the basis of legal remedies that have determined that a breach of promise has occurred. Based on this decision, PT Maybank Indonesia Finance Syariah Aceh Branch filed a lawsuit to the court against the fiduciary guarantee decision. However, some were accepted and rejected. This research aims to explain the settlement of defaults at PT Maybank Indonesia Finance Syariah Aceh Branch, the judge's consideration in accepting or rejecting the execution, as well as the efforts made after the determination lawsuit is accepted and rejected. Based on the problems in this research, the Empirical Juridical research method is used to directly analyze the facts in the field. This analysis is conducted through interviews with respondents and informants relevant to this research. The results of this study indicate that PT Maybank Indonesia Finance Syariah Aceh Branch in the settlement process goes through three stages, namely oral or written subpoenas, mediation, up to filing a lawsuit for execution to the court. The judge's consideration in accepting because it was partially granted by verstek and strong evidence, then the judge's consideration rejected it because it was considered premature because the contract period had not ended and there was good faith from the debtor. The next effort for the accepted decision is to file a lawsuit with the bailiff to retrieve the fiduciary guarantee object. Meanwhile, for rejected decisions, the creditor meets the debtor to collect his rights but the object of fiduciary guarantee is no longer in the hands of the debtor. It is recommended for PT Maybank Indonesia Finance Syariah Aceh Branch to immediately apply for the determination of the execution of fiduciary guarantees to the court in accordance with the Constitutional Court Decision No. 18/PUU-XVII/2019. Installing a tracker when the debtor enters the bad credit phase, and assessing the debtor's financial condition is an effective preventive measure.