Perlindungan Hukum Atas Pelepasan Hak Istimewa Bagi Pemegang Coporate Guarantee Akibat Wanprestasi Debitor Bank (Studi Putusan Mahkamah Agung RI No. 49/Pdt.Sus-PKPU/2021/PN Niaga Jkt.Pst.)

Sardjono, Setyo (2022) Perlindungan Hukum Atas Pelepasan Hak Istimewa Bagi Pemegang Coporate Guarantee Akibat Wanprestasi Debitor Bank (Studi Putusan Mahkamah Agung RI No. 49/Pdt.Sus-PKPU/2021/PN Niaga Jkt.Pst.). S1 thesis, Universitas Kristen Indonesia.

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Abstract

Kegiatan bank sebagai perantara adalah menghimpun dan menyalurkan dana dalam bentuk kredit. Kreditur dalam memberikan kredit kepada debitur menganut prinsip kehati-hatian, karena kreditur dihadapkan pada risiko kredit. Untuk itu, bank dalam memberikan kredit kepada debitur memiliki beberapa syarat yang harus dipenuhi, antara lain adanya jaminan, baik jaminan materiil (materiil) maupun jaminan immateriil (perseorangan). Salah satu bentuk jaminan perseorangan adalah penjamin (borghtoct), yang ditemukan dalam perkara Putusan Mahkamah Agung tentang Kepailitan dan PKPU. Metode penelitian yang digunakan adalah penelitian normatif dengan pendekatan perundang-undangan. Hasil penelitian menemukan bahwa permohonan pailit yang dimohonkan ditolak atau setidak-tidaknya dinyatakan tidak dapat diterima karena pemohon PKPU tidak memiliki legal standing karena perjanjian fasilitas yang mendasari utang tersebut tidak sah secara hukum dan karenanya batal demi hukum, serta akta jaminan perusahaan. serta batas hukum./ The bank's activity as an intermediary is to collect and distribute funds in the form of credit. Creditors in providing credit to debtors adhere to the principle of prudence, because creditors are faced with credit risk. For this reason, banks in providing credit to debtors have several conditions that must be met, including the existence of guarantees, both material (material) and immaterial (individual) guarantees. One form of individual guarantee is a guarantor (borghtoct), which is found in the case of the Supreme Court's Decision on Bankruptcy and PKPU. The research method used is normative research with a statutory approach. The results of the study found that the petitioned bankruptcy case was rejected or at least declared unacceptable because the PKPU applicant did not have legal standing because the facility agreement underlying the debt was legally invalid and therefore null and void, as well as the company guarantee deed as well as the legal limit

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