Hubungan Keabsahan Pengalihan Piutang (Cessie) Yang Dilakukan Secara Berulang Kali Terhadap Perpindahan Hak Tanggungan Milik Debitur

Novelia Adistie, Jarkasi Anwar

Abstract


Banking helps people, one of which is through credit facilities. Received credit is accompanied by submitting a guarantee imposed by the mortgage right to the bank or creditor. One of the problems that often occur in credit is bad credit. The solution to overcome this is by obtaining funds relatively quickly by banks through transfer of accounts receivable (cessie). Efforts to minimize an impact that can harm the parties in the process of transferring accounts receivable (cessie) are at the core of the problems raised in this study, namely, how is the relationship between the legality of the transfer of accounts receivable (cessie) which is carried out repeatedly to the transfer of the debtor's liability and how is legal protection? for cessie buyers (cessionaris) based on Article 613 of the Civil Code in conjunction with Law Number 4 of 1996 concerning Land Mortgage Rights and Land-related Objects. The research was conducted using a normative juridical research method with descriptive analytical research using a statutory approach method. The data sources used in this research are primary legal materials, secondary materials, and tertiary legal materials. The data collection technique used in this research was through literature study and then analyzed qualitatively and normatively. The results of the research conclude that, the relationship between the legality of the transfer of accounts receivable (cessie) which is carried out repeatedly on the transfer of the debtor's mortgage is known to have mutual influence. A legal cessie is carried out if the basis of the rights is valid and in accordance with Article 613 and Article 1320 of the Civil Code. Legal protection for cessie buyers (cessie) in the practice of transferring accounts receivable (cessie) which is carried out repeatedly for the transfer of the debtor's mortgage is carried out through a cessie deed and several regulations in Law Number 4 of 1996 concerning Mortgage Rights to Land with Objects Items related to land.


Keywords


Transfer of receivables, Cessie, credit, mortgage right.

Full Text:

93-117 PDF

References


Asikin, Zainal. Pengantar Hukum Perbankan Indonesia. Depok: PT Rajagrafindo Persada, 2015.

Badrulzaman, Mariam Daruz. Bab-Bab Tentang Credietverband, Gadai Dan Fidusia. Bandung: Ikapi, 1984.

Budiono, Herlien. Ajaran Umum Hukum Perjanjian Dan Penerapannya Di Bidang Kenotariatan. Bandung: Citra Aditya Bakti, 2010.

Cahyono, Akhmad Budi. “Cessie Sebagai Bentu Pengalihan Piutang Atas Nama.” Universitas Indonesia, 2004.

Djangkarang, Muhamad Rizky. “Aspek Hukum Pengalihan Hak Tagihan Melalui Cessie.” Lex Privatum 1, no. 5 (2013): 40. https://ejournal.unsrat.ac.id/index.php/lexprivatum/article/view/3081.

Djumhana, Muhamad. Hukum Perbankan Di Indonesia. Bandung: Citra Aditya Bakti, 2006.

Friedman, Lawrence. The Legal System: A Social Scine Perpective. Bandung: Nusa Media, 2009.

Fristikawati, Yanti. Laporan Penelitian Cessie, Makalah Mempertajam Konsep Hukum Cessie. Jakarta, 2010.

Fuady, Munir. Konsep Hukum Perdata. Jakarta: Rajawali Press, 2014.

Hadisaputro, Hartanto. Jaminan Dalam Perjanjian Kredit. Surabaya: Arkola, 2000.

Harsono, Budi. Hukum Agraria Indonesia, Sejarah Pembetukan Undang-Undang Pokok Agraria, Isi Dan Pelaksanaannya. Jakarta: Sinar Grafika, 2012.

Hartati, Suharnoko. Endah. Doktrin Subrogasi, Novasi, Dan Cessie. Jakarta: Kencana Prenada Media Grup, 2005.

Hay, Marhais Abdul. Hukum Perbankan Di Indonesia. Bandung: Pradnya Paramita, 2004.

Ibrahim, Johannes. Cross Default & Cross Collateral Dalam Upaya Penyelesaian Kredit Bermasalah. Bandung: PT Refika Aditama, 2004.

———. Mengupas Tuntas Kredit Komersial Dan Konsumtif Dalam Perjanjian Kredit Bank (Perspektif Hukum Dan Ekonomi). Bandung: Mandar Maju, 2004.

Ignatius I. Widyadharma. Sedikit Tentang Hukum Jaminan Di Indonesia. Semarang: Tanjung Mas, 1982.

Kastini, Sri. Gadai Saham, Gadai Piutang Dan Cessie. Bandung: Citra Aditya Bakti, 1998.

Kawuryan, Gita Permata Aulia. Endang Sri. “Perlindungan Hukum Terhadap Pembeli Cessie Dalam Melakukan Balik Nama Sertifikat Hak Atas Tanah Dan Bangunan.” Jurnal Transparansi Hukum, 2018, 81.

Mahmoeddin, As. 100 Penyebab Kredit Macet. Jakarta: Pustaka Sinar Harapan, 1995.

Mamudji, Soerjono Soekanto. Sri. Penelitian Hukum Normatif (Suatu Tinjauan Singkat). Jakarta: Rajawali Press, 2001.

Marzuki, Peter Mahmud. Penelitian Hukum. Jakarta: Kencana Prenada Media Grup, 2005.

———. Pengantar Ilmu Hukum. Jakarta: Kencana Prenada Media Grup, 2006.

Murniati, Abdul Kadir Muhammad. Rilda. Segi Hukum Lembaga Keuangan Dan Pembiayaan. Bandung: Citra Aditya Bakti, 2000.

Nataliasari, Puteri. “Pengalihan Piutang Secara Cessie Dan Akibatnya Terhadap Jaminan Hak Tanggungan Dan Jaminan Fidusia.” Universitas Indonesia, 2010.

Putusan Nomor 780/Pdt.G/2017/ PN. Tng. (n.d.).

Raharjo, Satjipto. Ilmu Hukum. Bandung: PT Citra Aditya Bakti, 2000.

Sakkirang, Sriwaty. Hukum Perdata. Yogyakarta: Teras, 2011.

Santono, Urip. Pendaftaran Dan Peralihan Hak Atas Tanah. Jakarta: Kencana Prenada Media Grup, 2010.

Satrio, J. Cessie Tagihan Atas Nama. Jakarta: Yayasan DNC, 2012.

———. Hukum Perikatan, Perikatan Yang Lahir Dari Perjanjian. Bandung: PT Citra Aditya Bakti, 1995.

Seorjopratiknjo, Hartono. Utang Piutang, Perjanjian-Perjanjian Pembayaran Dan Jaminan Hypotik. Yogyakarta: Seksi Notariat Fakultas Hukum Universitas Gadjah Mada, 1984.

Simorangkir, O.P. Kamus Perbankan. Jakarta: Bina Aksara, 1989.

Sjahdeny, Sutan Remy. Hak Tanggungan, Asas-Asas, Ketentuan Pokok Dan Masalah Yang Dihadapi Oleh Perbankan. Jakarta: Institut Bankir Indonesia, 2003.

Soedewi, Sri. Hukum Jaminan Di Indonesia Pokok-Pokok Hukum Jaminan Dan Perorangan. Yogyakarta: Liberty Offset Yogyakarta, 2007.

Soekanto, Soerjono. Penelitian Hukum Normatif : Suatu Tinjauan Singkat. Jakarta: PT Rajagrafindo Persada, 2001.

Subekti. Jaminan-Jaminan Untuk Pemberian Kredit Menurut Hukum Indonesia, Alumni. Bandung: Alumni Bandung, 1982.

———. Jaminan-Jaminan Untuk Pemberian Kredit Menurut Hukum Indonesia. Bandung: Alumni Bandung, 1982.

Sudarsono, Heri. Bank Dan Lembaga Keuangan Syariah, Deskripsi Dan Iiustrasi. Yogyakarta: Ekonosia, 2004.

Sugiyono. Metode Penelitian Kuantitatif, Kualititaf Dan R&D. Bandung: Alfabeta, 2018.

Sutarno. Aspek-Aspek Hukum Perkreditan Bank. Bandung: Alfabeta, 2003.

———. Aspek-Aspek Hukum Perkreditan Pada Bank. Bandung: Alfabeta, 2014.

Sutedi, Adrian. Peralihan Hak Atas Tanah Dan Pendaftarannya. Jakarta: Sinar Grafika, 2010.

Today, Sumbar. “Hak Eigendom/Hak Milik Dalam Hukum Perdata.” Sumbar Today, 2019. https://www.sumbartoday.net/2019/03/12/hak-eigendom-hak-milik-dalam-hukum-perdata.

Uhar Suharsaputra. Metode Penelitian Kuantitatif, Kualitatif, Dan Tindakan, PT Refika Aditama. Bandung: PT Refika Aditama, 2014.

Usman, Rachmadi. Aspek-Aspek Hukum Perbankan Di Indonesia. Jakarta: PT Gramedika Pustaka Utama, 2001.

———. Hukum Jaminan Keperdataan. Jakarta: Sinar Grafika, 2008.

Yangin, Feronika Y. “Analisis Hukum Pengalihan Piutang (Cessie) Kepada Pihak Ketiga Menurut Pasal 613 KUHPerdata.” Lex Privatum 4, no. 5 (2016): 80. https://ejournal.unsrat.ac.id/index.php/lexprivatum/article/view/12644.




DOI: http://dx.doi.org/10.51825/yta.v1i1.11407

Refbacks

  • There are currently no refbacks.


Copyright (c) 2021 Yustisia Tirtayasa: Jurnal Tugas Akhir

EDITORIAL ADDRESS
Faculty of Law, Universitas Sultan Ageng Tirtayasa
Jl. Tirtayasa, Sindangsari, Kec. Pabuaran, Serang, Provinsi Banten       
Telp. (0254) 280330 Ext. 218, Fax.: (0254) 281254
Website: https://jurnal.untirta.ac.id/index.php/nhk
E-mail  : yustisia.tirtayasa@untirta.ac.id 

 


This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.