Pengaruh Perlindungan Hukum Bagi Corporate Guarantee Sebagai Akibat Wanprestasi Debitor Dalam Pembiayaan Bank

Sari, Erna (2021) Pengaruh Perlindungan Hukum Bagi Corporate Guarantee Sebagai Akibat Wanprestasi Debitor Dalam Pembiayaan Bank. S2 thesis, Universitas Kristen Indonesia.

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Abstract

This study aims to determine the effect of legal protection for Corporate Guarantee as a result of default by debtors in providing bank credit, to study if the voluntary corporate guarantor legal protection relinquishes the privilege to act as a corporate guarantee in a bankruptcy case, and how the legal protection of creditors who hold a corporate guarantee in terms of bankrupt debtor. This research is a normative-empirical legal research. The legal approach used is a statutory approach and a conceptual approach as well as a sociological approach and is based on the theory of justice and the theory of legal certainty. The legal materials used are primary, secondary and tertiary legal materials. The analysis of legal materials used is qualitative analysis. Regulations regarding legal protection for corporate guarantees in credit agreements with individual guarantees are regulated in Law Number 10 of 1998 concerning Banking, the legal protection provided by creditors according to the Banking Law. This research is compiled with a coherent assessment stage by analyzing how the position of the corporate guarantor acts as a corporate guarantee in bankruptcy cases, implements the guarantor doctrine in providing credit and postponing debt payment obligations in terms of the legal aspect of providing credit with corporate guarantees in the Commercial Court decision reviewing the legal protection of the guarantor in the decision of the Commercial Court. The position of the corporate guarantor is basically the same as the main debtor as long as the creditor makes a special agreement with the corporate guarantor to immediately be held accountable for the debts of the main debtor if the main debtor is negligent or in default, so that the corporate guarantor together with the main debtor can be filed for bankruptcy by the creditors./ Penelitian ini bertujuan untuk mengetahui pengaruh perlindungan hukum bagi Corporate Guarantee sebagai akibat wanprestasi debitor dalam pemberian kredit bank, mempelajari apabila perlindungan hukum corporate guarantor yang sukarela melepaskan hak istimewa untuk bertindak sebagai corporate guarantee dalam perkara kepailitan, serta bagaimana perlindungan hukum kreditor pemegang corporate guarantee dalam hal debitor pailit. Penelitian ini termasuk jenis penelitian hukum normatif-empiris. Pendekatan hukum yang digunakan adalah pendekanan perundang-undangan dan pendekatan konseptual serta pendekatan sosiologis dan didasari pada Teori Keadilan dan Teori Kepastian Hukum. Bahan hukum yang digunakan adalah bahan hukum primer, sekunder dan tersier. Analisis bahan hukum yang digunakan adalah analisa kualitatif. Pengaturan tentang perlindungan hukum bagi corporate guarantee dalam perjanjian kredit dengan jaminan perorangan telah diatur dalam Undang-Undang Nomor 10 tahun 1998 Tentang Perbankan, Perlindungan hukum yang diberikan kreditor menurut Undang-Undang Perbankan Penelitian ini disusun dengan tahapan pengkajian yang runtut dengan menganalisa bagaimana kedudukan corporate guarantor bertindak sebagai corporate guarantee dalam perkara kepailitan, menjalankan doktrin penjamin dalam pemberian kredit dan penundaan kewajiban pembayaran utang yang ditinjau dari aspek hukum atas pemberian kredit dengan jaminan corporate guarantee dalam putusan Pengadilan Niaga, mengkaji perlindungan hukum penjamin (guarantor) dalam putusan Pengadilan Niaga. Kedudukan corporate guarantor pada dasarnya sama dengan debitor utama sepanjang kreditor melakukan perjanjian khusus terhadap corporate guarantor untuk dapat langsung diminta pertanggung jawaban terhadap utang debitor utama apabila debitor utama lalai atau wanprestasi, sehingga corporate guarantor secara bersama-sama dengan debitor utama dapat diajukan pailit oleh kreditor.

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