UPAYA PERLINDUNGAN KEPADA PIHAK BANK AKIBAT ADANYA PENGALIHAN OBJEK JAMINAN FIDUSIA YANG DIALIHKAN OLEH PIHAK NASABAH TANPA ADANYA PERSETUJUAN TERLEBIH DAHULU DARI PIHAK BANK (Studi Kasus di PT. Bank Negara Indonesia, Malang)
Journal Title: Diversi Jurnal Hukum - Year 2016, Vol 2, Issue 1
Abstract
The effort to provide a form of protection to the bank, as the creditor as a result of the transfer of an object fiduciary be transferred by the customer, without prior approval from the bank, by performing the consultation, carried out between the banks, as lenders, with the customers of the bank, as the debtor in question. Second, by making the extension of payment period, and the third by selling the lease object or execution under hand relating to the transfer of fiduciary security object, according to the agreement made between each of the parties that are in agreement. While the supporting factors and obstacles in providing protection form to the bank, as the lender, due to the transfer of an object fiduciary be transferred by the customer, as the debtor, without their prior consent, on the part of banks, which in this case the Bank countries Indonesia Branch Malang, for supporting factors, the first is to do a fiduciary guarantee registration, the second is the provision of the right of preference to the bank, as the creditor in Bank Negara Indonesia Branch Malang. As for the inhibiting factors, the first is because it is not regulated period fiduciary warranty deed registration, Second, potential conflict because there is no period of registration. The third is for fee and registration deed notarill very expensive. The existence of a fourth for Fiduciary office in the capital of the province is complicate the implementation of Fiduciary registration, because not all provinces have adequate transportation so there are benefits in terms of practicality. And the fifth for insurance and appraisal costs are prohibitively expensive. The purpose of this study is to provide solutions and to be able to provide and resolve cases related to the transfer of an object fiduciary be transferred by the customer, as the debtor, without their prior consent, on the part of banks, which in this case the Bank Negara Indonesia Branch Malang.
Authors and Affiliations
David Novan Setiawan
Keywords
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