Perlindungan Hukum terhadap Debitur Kredit Macet Akibat Praktek Cessie dalam Perjanjian Perbankan
DOI:
https://doi.org/10.26905/mlj.v6i2.16374Keywords:
Bad credit, Cessie/ Debt Transfer, Creditor, DebtorAbstract
Debtors who default often make creditors choose a quick mechanism to recover their receivables, one of which is through cession or the transfer of receivables to a third party. Although the practice of cession is legal and recognized in the Indonesian legal system, until now there is no specific regulation that specifically regulates the procedure, thus opening the opportunity for actions that are detrimental to debtors, especially those who have relatively small remaining debts but are still the object of transfer without adequate notification. This study uses a normative method with a descriptive analytical approach to examine the regulation of cession and legal protection for debtors. Legally, cession is regulated in the Civil Code Book III on Contracts as well as several special regulations such as the Mortgage Law, the Fiduciary Law, and Bank Indonesia provisions. In principle, cession can be carried out as long as it is agreed by the parties through a new agreement. However, if the transfer of receivables is carried out without notification to the debtor, the agreement is potentially invalid because the object of the receivable is still attached to the debtor. Thus, the transfer of receivables that is not informed to the debtor can be cancelled or even void by law, thus providing legal protection for the debtor from the implementation of a detrimental assignment.
Downloads
References
Ambarwati, A. D. (2019). Perjanjian pengikatan jual beli hak atas tanah yang terikat jaminan bank (Studi kasus Putusan Nomor 704K/PDT/2016). Indonesian Notary, 1(001). http://notary.ui.ac.id/index.php/home/article/download/31/30
Anisah, S. (2009). Perlindungan terhadap kepentingan kreditor melalui actio pauliana. Jurnal Hukum Ius Quia Iustum, 16(2), 205–221. https://doi.org/10.20885/iustum.vol16.iss2.art3
Christy, E., Wilsen, W., & Rumaisa, D. (2020). Kepastian hukum hak preferensi pemegang hak tanggungan dalam kasus kepailitan. Kanun: Jurnal Ilmu Hukum, 22(2), 323–344. https://doi.org/10.24815/kanun.v22i2.14909
Fitriana, N. D., & Abdul Wahid, N. (2021). Upaya hukum cessionaris terhadap hak tagih atas jaminan hak tanggungan berdasarkan pengalihan hutang (cessie). Jurnal Hukum Sasana, 7(2), 243–262. https://doi.org/10.31599/sasana.v7i2.808
Fuady, M. (2006). Segi-segi hukum perjanjian (Cet. 4). Citra Aditya Bakti.
Marwansyah, S. (2014). Analisis penerapan prinsip “5C” terhadap akurasi analisa kredit pada PT. First Indo American Leasing. Moneter: Jurnal Akuntansi dan Keuangan, 1(2). https://doi.org/10.31294/moneter.v1i2.949
Maryoso, I., & Ramadhan, M. C. (2021). Pelaksanaan lelang eksekusi hak tanggungan melalui media internet masa pandemi Covid-19 berdasarkan Undang-Undang Informasi dan Transaksi Elektronik (Studi pada KPKNL Medan). Journal of Education, Humaniora and Social Sciences (JEHSS), 4(2), 616–628. https://doi.org/10.34007/jehss.v4i2.694
Maslikan, & Sukarmi. (2018). Kewenangan notaris dalam pembuatan akta otentik berkaitan dengan kontrak kerjasama. Jurnal Akta, 5(1), 11. https://doi.org/10.30659/akta.v5i1.2526
Monada, T., Adiwijaya, A. J. S., & Bahar, U. (2021). Eksekusi putusan hakim terhadap objek hak tanggungan yang telah dilakukan cessie. Jurnal Ilmiah Living Law, 13(2), 84–90. https://ojs.unida.ac.id/livinglaw/article/download/4401/2580
Nasution, A. (2018). Pelunasan hutang terhadap jaminan fidusia. Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat, 17(3), 112–120. https://doi.org/10.30743/jhk.v17i3.594
Rahmadinata, Y. (2022). Pengalihan piutang secara cessie sebagai alternatif penyelesaian kredit dan akibat hukumnya terhadap jaminan hutang debitur. Recital Review, 4(1), 25–61. https://doi.org/10.22437/rr.v4i1.15273
Rahman, A. (2016). Pelaksanaan perlindungan hukum terhadap kreditur atas hilangnya objek jaminan fidusia dalam perjanjian kredit di KBPR Eka Usaha Jember. Kumpulan Jurnal Mahasiswa Fakultas Hukum. http://hukum.studentjournal.ub.ac.id/index.php/hukum/article/view/1935
Rahman, S., & Rinaldy, E. (2013). Hukum surat berharga pasar uang. Sinar Grafika
Sakkirang, S. (2011). Hukum perdata. Teras
Widjaja, A. (2018). Pelaksanaan eksekusi jaminan hak tanggungan dalam penyelesaian kredit macet di lembaga perbankan. Jurnal Ilmiah Pendidikan Pancasila dan Kewarganegaraan, 3(1), 1–7. https://doi.org/10.17977/um019v3i12018p001
Widjaja, G., & Sapardan, E. P. (2006). Seri aspek hukum dalam pasar modal. PT Raja Grafindo Persada
Yangin, F. Y. (2016). Analisis hukum pengalihan piutang (cessie) kepada pihak ketiga menurut Pasal 613 KUH Perdata. Lex Administratum, 4(5). https://www.neliti.com/publications/156219/analisis-hukum-pengalihan-piutang-cessie-kepada-pihak-ketiga-menurut-pasal-613-k
Yusmita, Y., Ariyanti, R. P., Njoto, E. D. P., & Yudistira, R. (2019). Perlindungan hukum terhadap debitur dan kreditur dalam melakukan perjanjian baku. DiH: Jurnal Ilmu Hukum, 15(1), 59–67. https://doi.org/10.30996/dih.v15i1.2265
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2025 MLJ Merdeka Law Journal
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
Authors who publish in this journal agree to the following terms: MLJ Merdeka Law Journal is licensed under Creative Commons Attribution-ShareAlike 4.0 International. Creative Commons Attribution-ShareAlike 4.0 International License (CC BY 4.0) is applied when mandated by research funders, such as those who have signed. Open Access articles in MLJ Merdeka Law Journal are published under the Creative Commons Attribution-Share Alike 4.0 International (CC BY 4.0) license. The copyright of the received article shall be assigned to the journal as the publisher of the journal. The intended copyright includes the right to publish the article in various forms (including reprints). The journal maintains the publishing rights to the published articles. Authors must agree to the copyright transfer agreement by checking the Copyright Notice column at the initial stage when submitting the article.
