Perlindungan Hukum bagi Debitur dalam Kasus Likuidasi Bank: Studi atas Status Sertifikat Hak Milik sebagai Agunan
DOI:
https://doi.org/10.33367/ijhass.v5i4.6547Keywords:
Legal Position, Developer, Certificate of Ownership, Collateral, Bank LiquidationAbstract
Bank liquidation has significant legal implications, particularly for debtors, such as developers, who use certificates of ownership on land as collateral for loans. Law Number 4 of 2023 on the Development and Strengthening of the Financial Sector regulates bank liquidation through asset liquidation and debt collection processes, which impact the legal standing of debtors, especially concerning the transfer or sale of pledged assets. This study examines the legal status of certificates of ownership used as collateral in banks undergoing liquidation and evaluates the legal protection available to certificate owners. Additionally, it analyzes judicial considerations in protecting developers' rights in cases involving bank liquidation. This research adopts a normative legal approach, utilizing library research techniques for data collection and qualitative descriptive analysis for data interpretation. The findings reveal that developers, as debtors, remain legally obligated to repay debts even if the bank holding the collateral undergoes liquidation. However, legal uncertainties arise regarding the status of certificates of ownership used as collateral, as such assets may be sold through auctions despite the developer's expectation of loan settlement. Consequently, ensuring legal protection for developers is crucial to safeguard their rights, prevent unauthorized transfers or seizures of collateral, and promote transparency in the liquidation process overseen by the Indonesian Deposit Insurance Corporation (LPS). The study highlights the need for clear legal frameworks to balance creditor and debtor rights, ensuring fairness and legal certainty during bank liquidation.
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