Perlindungan hukum terhadap perbankan dalam jaminan fidusia pada perjanjian kredit dengan jaminan stok barang dagangan (inventory)

Abstract Stevie Putra Samudra. S351502028. LEGAL PROTECTION OF BANKING IN THE IMPLEMENTATION OF CREDIT AGREEMENT WITH FIDUSIA INSURANCE ON STOCK OF INVENTORY Implementation granting credit by bank using fiduciary as insurance agency credit to businesspeople to develop their business, so possibility will appear problems law because the object fidusianya remain in the hand of debitor. Inventory constantly changing and or not fixed , as the current supplies of inventory and goods so, so in the deed fiduciary security included the discussion on the type, brand, and the quality of of the package. Towards an object fiduciary security a creditor it will be difficult to know objects supplies is because will always shrinking due to the occurrence of economic gyrations in traded. Security interest , especially once in order to ensure the debt was needed security tools for creditors. Objective of knowing the and analyze legal protection in banking in the implement the agreement credit fiduciary security on inventory, the notary to ensure the recipients fiduciary contained in fiduciary certificate and implementation has fiduciary security by banks by credit agreement on inventory. The law is using the methodology empirical juridical the field research . The result showed that legal protection on recipients fiduciary on bail on inventory had destroyed and debitor not replace goods equivalent. Banks approach the debitor to ask other security. The decisions so debitor considered wanprestasi very avoided , hence bank exercises early langkah-langkah observation over the ability to perform payment , either through reschedule and restructure for example by the concession installment or installments and the decline in interest rates bank .This is to maintain credibility of the debitor and creditors. Banks would make efforts law through the courts. This can be achieved because have a certificate fiduciary security have the power eksekutorial equal to decisions which the court has already binding. The implementation of the certificate notary must obey rules standard deed have to be in pour in the deed , in this case notary have to sort out what are the must be recorded to avoid possible the gap between the rule of law and demand banking. Notary have to noticed of of proportionality the contents of certificate between recipients fiduciary and as fiduciary to cut risks to be received both sides in the future. The process of registering fiduciary guarantee by banking, notary in double job obligate notary not only do fiduciary guarantee deed, but as fiduciary guarantee registrant. Key Words : Legal Protection, Insurance fiduciary, Inventor

Perlindungan hukum terhadap perbankan dalam pelaksanaan perjanjian kredit dengan jaminan fidusia pada jaminan stok barang dagangan (inventory)

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