Tinjauan Yuridis Penyelesaian Sengketa Perjanjian Kredit Dengan Jaminan Fidusia (Studi Putusan No.259/Pdt.G/2017/PN.MDN)

Abstract

The company is an organized institution with the aim of profiting. The Company has essential functions to achieve objectives, production functions, marketing functions, financial functions and personnel functions, which are functions that are interconnected with each other. A business relationship and an agreement, there is always the possibility of a dispute arises. Basically no one wants the occurrence of disputes of each party should anticipate the possibility of a dispute. A business relationship and an agreement, there is always the possibility of a dispute arises. Basically no one wants the occurrence of disputes of each party should anticipate the possibility of a dispute. The result of this research is a form of dispute resolution in credit agreements with fiduciary guarantees in the event of bad credit in PT. Swadharma Bhakti Sedaya Finance in accordance with Decision No. 259/Pdt.G/2017/PN. MDN through litigation through judicial bodies. The result of this research is a form of dispute resolution in credit agreements with fiduciary guarantees in the event of bad credit in PT. Swadharma Bhakti Sedaya Finance in accordance with Decision No. 259/Pdt.G/2017/PN. MDN through litigation through judicial bodies. Linton Sirait, a High Court judge, said that the settlement of disputes through litigation lines is a reflection of the doctrine of trias politica in which judicial bodies are authorized and have the authority to adjudicate a dispute. Any dispute resolution process through litigation channels, the parties involved in the dispute must go through the procedures set out in the procedural law. Legal evidence from the parties in accordance with the decision No.259/Pdt.G/2017/PN.Mdn is a photocopy of the financing agreement, a photocopy of the joint statement, a copy of the debtor's power of attorney, a photocopy of the debtor's affidavit, a partial summary of the contents of the financing agreement, a photocopy of the debtor's wife's approval letter, a photocopy of deed no.122 on fiduciary guarantee from Notary Angelina Marisi Sinaga, SH, photocopy of fiduciary guarantee certificate, photocopy of BPSK verdict, determination of photocopy of the Chairman of the Medan District Court. The influence of BPSK in accordance with the decision No. 259/Pdt.G/2017/PN.Mdn that the decision of BPSK does not give influence in resolving disputes that occur because it does not reflect justice for justice seekers, especially creditors, because the authority to prosecute BPSK is contrary to what is meant in Law No. 8 of 1999 on Consumer Protection, so that what is decided must be annulled. The research method used is Literature Research which is research conducted based on reading sources, namely Law, books, Websites related to the material discussed in this thesis. Perusahaan adalah lembaga yang organisir dengan tujuan untuk memperoleh keuntungan. Perusahaan mempunyai fungsi essensial untuk mencapai tujuan, fungsi produksi, fungsi pemasaran, fungsi keuangan dan fungsi personalia, yang merupakan fungsi-fungsi yang saling berkaitan satu dengan yang lain. Suatu hubungan bisnis dan perjanjian, selalu ada kemungkinan timbulnya sengketa. Pada dasarnya tidak seorang pun menghendaki terjadinya sengketa masing-masing pihak harus mengantisipasi kemungkinan timbulnya sengketa. Hasil penelitian ini adalah bentuk penyelesaian sengketa dalam perjanjian kredit dengan jaminan fidusia dalam hal terjadinya kredit macet pada PT. Swadharma Bhakti Sedaya Finance sesuai Putusan No 259/Pdt.G/2017/PN.MDN dengan melalui jalur litigasi ditempuh melalui badan peradilan. Linton Sirait seorang hakim Pengadilan Tinggi menyatakan bahwa penyelesaian sengketa melalui jalur litigasi merupakan cerminan dari doktrin trias politica dimana badan-badan peradilan diberi wewenang dan memegang otoritas mengadili suatu sengketa. Setiap proses penyelesaian sengketa melalui jalur litigasi, para pihak yang terlibat dalam sengketa harus menempuh prosedur yang telah ditetapkan dalam hukum acara. Bukti-bukti hukum dari para pihak sesuai putusan No.259/Pdt.G/2017/PN.Mdn adalah fotokopi perjanjian pembiayaan, fotokopi surat pernyataan bersama, fotokopi surat kuasa debitor, fotokopi surat pernyataan debitor, fotokopi ringkasan sebagian isi perjanjian pembiayaan, fotokopi surat persetujuan istri debitor, fotokopi akta no.122 tentang jaminan fidusia dari Notaris Angelina Marisi Sinaga, SH, fotokopi sertifikat jaminan fidusia, fotokopi putusan BPSK, fotokopi penetapan Ketua Pengadilan Negeri Medan. Pengaruh BPSK sesuai hasil putusan No 259/Pdt.G/2017/PN.Mdn bahwa putusan BPSK tidak memberikan pengaruh dalam menyelesaikan permasalahan sengketa yang terjadi karena tidak mencerminkan keadilan bagi pencari keadilan khususnya kreditor, karena kewenangan mengadili BPSK sudah bertentangan dengan apa yang dimaksud didalam Undang-Undang Nomor 8 Tahun 1999 Tentang Perlindungan Konsumen, sehingga apa yang diputuskan haruslah dibatalkan. Metode penelitian yang digunakan adalah Penelitian Kepustakaan yaitu penelitian yang dilakukan berdasarkan sumber bacaan, yakni Undang-Undang, buku-buku, Website yang berhubungan dengan materi yang dibahas dalam skripsi ini.