LEGAL PROTECTION FOR DEBTORS IN FINANCING AGREEMENTS WITH FIDUCIARY GUARANTEES

Authors

  • Yuana Suryanata University of Lambung Mangkurat, Banjarmasin, Indonesia
  • Rachmadi Usman University of Lambung Mangkurat, Banjarmasin, Indonesia

DOI:

https://doi.org/10.56371/jirpl.v6i3.452

Keywords:

Legal protection, fiduciary guarantee, consumers

Abstract

This study aims to analyze the form of legal protection for consumers in financing agreements with fiduciary guarantees and to identify legal problems that often arise in practice. This study uses a normative legal method with a statutory and conceptual approach. The main focus of the study is to examine the legal norms contained in laws and regulations, such as the Civil Code, Law Number 42 of 1999 concerning Fiduciary Guarantees, Law Number 8 of 1999 concerning Consumer Protection, as well as OJK regulations and Constitutional Court Decision Number 18/PUU-XVII/2019. In practice, standard agreements used by business actors often place debtors in a weak position because they have no room to negotiate. One of the detrimental clauses is the unilateral execution right by creditors without a fair dispute resolution mechanism. Based on the theory of legal protection by Philipus M. Hadjon, consumer protection must be provided preventively through the prohibition of detrimental clauses and repressively through effective dispute resolution, such as BPSK and class action. This study is prescriptive, emphasizing the importance of improving regulations and law enforcement in order to create fair legal protection. The results of the study indicate that even though legal instruments are available, violations of debtor rights still often occur, so strict supervision and education for consumers are needed in order to achieve fair and transparent financing practices.

Downloads

Download data is not yet available.

References

Adriana, C. (2020). Perlindungan terhadap hak konsumen terkait penarikan paksa kendaraan bermotor akibat kredit macet. Lex Jurnalica, 17(1), 13.

Ahmadi Miru, & Yodo, S. (2011). Hukum perlindungan konsumen. Jakarta: PT Rajagrafindo Persada.

Gunawan Widjaja, & Yani, A. (2000). Seri hukum bisnis: Jaminan fidusia. Jakarta: PT Raja Grafindo Persada, 75.

Gunawan Widjaja, & Yani, A. (n.d.). Op. cit., 48.

Hasanudin Rahman. (2003). Contract drafting. Bandung: PT Citra Aditya Bakti, 198.

Ibrahim, J. (2006). Teori dan metodologi penelitian hukum normatif. Malang: Bayumedia Publishing, 300.

Ibrahim, J. (2004). Cross default dan cross collateral sebagai upaya penyelesaian kredit bermasalah. Bandung: PT Revika Aditama, 49.

Kristiyanti, C. T. S. (2014). Hukum perlindungan konsumen. Jakarta: Sinar Grafika, 9.

Meliala, D. S. (2012). Hukum perdata dalam perspektif BW. Bandung: Nuansa Aulia, 175.

Ni Kadek Candika Prawani, & Nyoman Mas Ariani. (n.d.). Perlindungan hukum leassor terhadap obyek leasing apabila lessee wanprestasi. Jurnal Fakultas Hukum Universitas Udayana, 6(6), 7.

Salim, H. S. (2005). Pengantar hukum perdata tertulis (BW) (Cet. ke-3). Jakarta: Sinar Grafika, 180.

Suratno, U. (2020). Perlindungan hukum terhadap konsumen yang dikenakan tindakan penyitaan sepeda motor oleh lembaga pembiayaan fidusia ditinjau dari Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Jurnal Yustitia.

Downloads

Published

2025-06-30

How to Cite

Suryanata, Y., & Usman, R. (2025). LEGAL PROTECTION FOR DEBTORS IN FINANCING AGREEMENTS WITH FIDUCIARY GUARANTEES. JILPR Journal Indonesia Law and Policy Review, 6(3), 648–656. https://doi.org/10.56371/jirpl.v6i3.452