PEMBATALAN AKTA PERJANJIAN KREDIT KARENA OBJEK JAMINAN TIDAK SAH (Analisis Putusan Pengadilan Negeri Bandung Nomor 496/Pdt.G/2014/PN BDG)

Tesalonika Marta Ayuning Tyas, Pranoto ,, Adi Sulistiyono

Abstract

Abstract

This research aimed to find out and to answer the problem statement on the status of consideration the deed treaty credit canceled because the unauthorized security and effect certificate law when credit agreement between the creditors and debtor in cancel. This research is using methods of statute approach and conceptual approach. Based on the results of research and discussion produced drawing conclusions that the object guarantee is not valid because a for justice, then credit agreement as basic agreement does not necessarily void. So that a credit agreement certificate Number 04 date 04 March 2011 between Bank UOB with Mr. Chandra should be kept legal and debtors must remain pay off its debts to a creditor. Consideration judge in declaring credit agreement certificate not legal and have no might evidence according to author has already been surpassed the authority of a magistrate, because is not mentioned in a lawsuit the plaintiff.

Keywords: The cancellation certificate, Credit Agreement, Guarantee

 

Abstrak

Penelitian ini bertujuan untuk mengetahui dan menjawab rumusan masalah mengenai pertimbangan hakim yang membatalkan akta perjanjian kredit karena objek jaminan tidak sah dan akibat hukum apabila akta perjanjian kredit antara Pihak Kreditur dan Debitur di batalkan. Penelitian ini menggunakan metode pendekatan undangundang dan konseptual. Berdasarkan hasil penelitian dan pembahasan dihasilkan simpulan bahwa objek jaminan yang tidak sah karena suatu sebab hukum, maka perjanjian kredit sebagai perjanjian pokok tidak serta merta batal. Sehingga Akta Perjanjian Kredit Nomor 04 Tanggal 04 Maret 2011 antara PT. Bank UOB dengan Tuan Chandra tersebut seharusnya tetap sah dan Debitur harus tetap melunasi hutangnya kepada Kreditur. Pertimbangan hakim dalam menyatakan Akta perjanjian Kredit tidak sah dan tidak mempunyai kekuatan bukti menurut penulis telah melampaui kewenangan hakim, karena tidak tercantum dalam gugatan Penggugat.

Kata Kunci: Pembatalan Akta, Perjanjian Kredit, Jaminan

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