CONSUMER PROTECTION AGAINST DEBTORS ON THE TRANSFER OF MORTGAGE RIGHTS VIA CESSIE
Abstract
Disparities in financial capabilities in society have resulted in many credit agreements being entered into between consumers as debtors and banks as creditors or lenders, which are also accompanied by collateral in the form of mortgage rights which are used as collateral for payment of receivables by the debtor if he is unable to pay his debts to the creditor. The scope related to credit agreements is increasingly expanding when the model develops that credit agreements can be transferred to third parties through a cessie or receivable transfer agreement which of course poses risks for both creditors and debtors because in principle, when receivables are transferred to the cessie buyer, then the mortgage rights as collateral are also also transferred, including in terms of claim rights by new creditors. Therefore, this issue is interesting to discuss from the perspective of debtor protection as consumers of banking institutions, especially regarding the procedures and requirements that need to be understood regarding the transfer of mortgage collateral through a cessie or receivable transfer agreement. Apart from that, debtors also need to know what legal remedies can be submitted if the credit agreement or receivable transfer procedure causes losses for the debtor. In this research, the author uses a normative juridical research method using literature study and a legal approach. The results of the research show that based on the Consumer Protection Law and Financial Services Authority regulation, the Debtor as a consumer has the right to know clear and accurate information regarding the procedures and requirements of credit agreements including receivable transfer or cessie agreements and the legal consequences for the mortgage rights which he uses as collateral, including filing a complaint and/or legal remedies in litigation and non-litigation as long as he feels disadvantaged. The government needs to aggressively carry out outreach regarding all applicable regulations regarding credit agreements.
Downloads
References
Badrulzaman, M. D. (2004). Buku II Kompilasi Hukum Jaminan. Mandar Maju.
Bahsan, M. (2020). Hukum Jaminan dan Jaminan Kredit Perbankan Indonesia. RajaGrafindo Persada.
Barkatullah, A. H. (2016). Framework Sistem Perlindungan Hukum bagi Konsumen di Indonesia. Nusa Media.
Basri, A. D. (2020). PENGALIHAN PIUTANG DENGAN SKEMA CESSIE DALAM HUKUM PERBANKAN SYARIAH MAUPUN KONVENSIONAL. El-Iqthisadi : Jurnal Hukum Ekonomi Syariah Fakultas Syariah dan Hukum, 2(1), 1–16. https://doi.org/10.24252/el-iqthisadi.v2i1.13979
Black, H. C. (1989). Black’s Law Dictionary. West Publishing Co.
Budiono, H. (2010). Ajaran Umum Hukum Perjanjian dan Penerapan di Bidang Kenotariatan. Citra Aditya Bakti.
Entriani, A. (2017). Arbitrase dalam Sistem Hukum di Indonesia. An-Nisbah Jurnal Ekonomi Syariah, 3(2), 277–293. https://doi.org/https://doi.org/10.21274/an.2017.3.2.277-293
Fuady, M. (2002). Pengantar Hukum Bisnis: Menata Bisnis Modern Di Era Global (1 ed.). Citra Aditya Bakti.
Ibrahim, J. (2013). Teori dan Metodologi Penelitian Hukum Normatif. Bayumedia Publishing.
Iriawan, W. (2005). Cessie: Piutang Kredit, Hak dan Perlindungan bagi Kreditur Baru. Djambatan.
Lestari, R. (2013). PERBANDINGAN HUKUM PENYELESAIAN SENGKETA SECARA MEDIASI DI PENGADILAN DAN DI LUAR PENGADILAN DI INDONESIA. Jurnal Ilmu Hukum, 4(2), 217–237. https://doi.org/10.30652/jih.v3i2.1819
Marwah, M. (2018). PERAN OTORITAS JASA KEUANGAN DALAM PENYELESAIAN PENGADUAN KONSUMEN SEKTOR JASA KEUANGAN. Jurisprudentie : Jurusan Ilmu Hukum Fakultas Syariah dan Hukum, 5(1), 236–247. https://doi.org/10.24252/jurisprudentie.v5i2.5815
Marwan, M., & P, J. (2009). Kamus Hukum: Dictionary of Law Complete Edition. Reality Publisher.
Marzuki, P. M. (2009). Pengantar Ilmu Hukum. Kencana.
Matheus, J., & Gunadi, A. (2024). Pembentukan Lembaga Pengawas Perlindungan Data Pribadi Di Era Ekonomi Digital: Kajian Perbandingan Dengan KPPU. JUSTISI, 10(1), 20–35.
Muljadi, K., & Widjaja, G. (2008). Seri Hukum Harta Kekayaan: Hak Tanggungan. Prenada Media.
Otoritas Jasa Keuangan Republik Indonesia. (2024). Lembaga Perbankan. Otoritas Jasa Keuangan Republik Indonesia. https://ojk.go.id/id/kanal/perbankan/ikhtisar-perbankan/Pages/Lembaga-Perbankan.aspx
Padmasari, W. (2018). PERLINDUNGAN HUKUM BAGI PARA PIHAK DALAMPENGALIHAN PIUTANG (CESSIE) MELALUI AKTA NOTARIS. Jurnal Hukum Dan Kenotariatan, 2(2), 264–275. https://doi.org/https://doi.org/10.33474/hukeno.v2i2.1509
Prodjodikoro, W. (2011). Azas-Azas Hukum Perjanjian. Mandar Maju.
Rosita, R. (2017). ALTERNATIF DALAM PENYELESAIAN SENGKETA (LITIGASI DAN NON LITIGASI). Al-Bayyinah, 1(2), 99–113. https://doi.org/10.35673/al-bayyinah.v1i2.20
Setiawan, R., & Satrio, J. (2010). Penjelasan Hukum Tentang Cessie. National Legal Reform Program (NLRP).
Subekti. (1992). Arbitrase Perdagangan. Bina Cipta.
Suharnoko, & Hartati, E. (2006). Doktrin Subrogasi, Novasi, dan Cessie. Kencana.
Sutendi, A. (2009). Hukum Kepailitan. Ghalia Indonesia.
Tanamal, D. (2024). UKI Gelar Webinar Perlindungan Hukum Nasabah Bank pada Penyelesaian Kredit Macet melalui Cessie. Radio Pelita Kasih. https://www.radiopelitakasih.com/2024/01/18/uki-gelar-webinar-perlindungan-hukum-nasabah-bank-pada-penyelesaian-kredit-macet-melalui-cessie/
Usman, R. (2008). Hukum Jaminan Keperdataan. Sinar Grafika.
Wahid, A., Dewi, E. K., & Sarip, S. (2019). Kekuatan Alat Bukti Akta Otentik Terhadap Akta Pejabat Pembuat Akta Tanah (PPAT) Berdasarkan Peraturan Pemerintah Nomor 24 Tahun 2016 Juncto Pasal 1868 KUHPerdata. Jurnal Mahkamah: Jurnal Kajian Hukum Islam. Department of Family Law (Al-Ahwal Al-Syakhsiyyah) Faculty of Shariah and Islamic Economics IAIN Syekh Nurjati Cirebon, 4(2), 205–219.
Widiarty, W. S. (2016). Hukum Perlindungan Konsumen. PT Komodo Books.
Winarta, F. H. (2012). Hukum Penyelesaian Sengketa. Sinar Grafika.
Copyright (c) 2024 Fiorella Angella Dameria, Gunawan Djajaputra
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
