ASPEK AGUNAN SEBAGAI PERLINDUNGAN HUKUM BAGI BANK SELAKU PENYEDIA LAYANAN KREDIT ONLINE

Fransisca Utami Masakke, Irena Hapsari, Syaukah Az-Zahro

Abstract

The implementation of lending and borrowing money or credit in general requires an additional agreement in the form of a guarantee agreement for the safety of the loan. Debt guarantees are giving confidence to creditors over the payment of debts they have given to debtors, this is due to the law or the issuance of an agreement that is assessoir of the principal agreement. Regarding the nature of the collateral agreement is the assessoir, that agreement follows the principal collateral in the form of a debt or credit agreement. The type of debt collateral can be in the form of material collateral which will give rise to material rights or individual collateral, commonly referred to as borgtocht which will give rise to individual rights as stated in Article 1820 BW. In general, creditors choose to use a material security, because by holding a material security the creditor's position will become  the  preferred  creditor  and  the  material  rights  over  the  guarantee  will  be transferred to the creditor who will give the right to receive debt payments in advance of the execution of collateral objects. In contrast to individual guarantees that only give rise to individual rights and can only be defended to the party making the agreement. However, if credit is done online with electronic mechanisms, how can collateral that can convince and protect creditors as the provider of online credit facilities

Keywords

Online Credit, Collateral, Bank

Full Text:

PDF

References

Peraturan Perundangan-Undangan:

Undang-Undang Dasar Negara Republik Indonesia Tahun 1945.

Buku

Neni Sri Imaniyanti, Pengantar Hukum Perbankan Indonesia, Refika Aditama, 2010, Bandung

Kasmir,Bank dan Lembaga Keuangan Lainnya, Jakarta: Rajawali Pers, 2012

Hasibuan Malayu S. P, Manajemen Sumber Daya Manusia, Jakarta: PT. Bumi Aksara, 2008

Abdul Halim Barkatullah, Bisnis E-Commerce, Yogyakarta, Pustaka Pelajar, 2006

Prurbo Onno W dan Aang Arif Wahyudi, Mengenal E-Commerce, Jakarta, Elex Media Komputindo, 2001

Sigit Tridaru, Bank dan Lembaga Keuangan Lain, Salemba Empat, Jakarta, 2006

Etty Mulyati, Kredit Perbankan Dalam Aspek Hukum dan Pengembanagan Usaha Mikro Kecil Dalam Pembangunan Perekonomian Indonesia, Refika Indatama, Bandung, 2015

Trisadini Trisadini P. Dan Abd Shomad, Hukum Perbankan, Fakultas Hukum Universitas Airlangga dan Luthfiansyah Mediatama, Surabaya, 2015

Terry C. M. Hutchinson, Researching and Writing in Law, Lawbook Company (Thomson Reuters), Sydney, Australia, 2010

Edi Putra Tje’Aman, Kredit Perbankan Suatu Tinjauan Yuridis, Liberty, Yogyakarta, 1986

Agus Yudha Hernoko, Hukum Perjanjian Asas Proporsionalitas Dalam Kontrak Komersial, Kencana, Jakarta, 2014,

Drs. Ek O.P. Simorangkir, Seluk Beluk Bank Komersial, Cetakan Kelima, Jakarta: Aksara Persada Indonesia Indonesia, 1988, h.91. Dikutip melalui Hasanuddin Rahman, Aspek-Aspek Hukum Pemberian Kredit Perbankan di Indonesia, Bandung, Citra Aditya Bakti, 1988

Sigit Tridaru, Bank dan Lembaga Keuangan Lain, Salemba Empat, Jakarta, 2006

Etty Mulyati, Kredit Perbankan Dalam Aspek Hukum dan Pengembanagan Usaha Mikro Kecil Dalam Pembangunan Perekonomian Indonesia, Refika Indatama, Bandung, 2015

Trisadini Trisadini P. Dan Abd Shomad, Hukum Perbankan, Fakultas Hukum Universitas Airlangga dan Luthfiansyah Mediatama, Surabaya, 2015.

Artikel Jurnal

“Bambang Catur P.S., Pengamanan Pemberian Kredit Bank Dengan Jaminan Hak Guna Bangunan, diakses melalui http://journal.uinjkt.ac.id/index.php/citahukum/article/view/1468

https://keuangan.kontan.co.id/news/bank-mulai-berikan-kredit-online-fintech-lending-siap-siap-gigit-jari

Refbacks

  • There are currently no refbacks.