Abstract
Fiduciary is the transfer of ownership rights to an object on the basis of trust provided that the object whose ownership rights are transferred remains in the control of the owner of the object. While the Fiduciary guarantee in accordance with Article 1 paragraph 2 of Law no. 42 of 1999 is a security right on a movable object, both tangible and intangible and immovable objects, especially buildings that cannot be encumbered with mortgage rights. Research Methods in this scientific papers using normative juridical research methods. As well as using data collection techniques carried out using descriptive analysis techniques, with secondary data sources, which include primary legal materials such as laws and regulations relating to fiduciary and mortgage rights. The results in this research can beexplained that as referred to in Act No. 4 of 1996 concerning Mortgage Rights which remains in the control of the fiduciary, as collateral for the repayment of certain debts and gives priority to other creditors. Fiduciary guarantees can be carried out and stipulated in afiduciary certificate which is authorized by a notary. With this certificate, it can also be used as a protection for both parties, both as a borrower and as a lender, no one is harmed.
Highlights
Secara historis lembaga fidusia dalam bentuk klasik sudah ditemukan sejak zaman Romawi
Fiduciary is the transfer of ownership rights to an object
on the basis of trust provided that the object whose ownership rights are transferred remains in the control
Summary
Fiduciary is the transfer of ownership rights to an object on the basis of trust provided that the object whose ownership rights are transferred remains in the control of the owner of the object. Bentuk jaminan ini digunakan secara luas dalam transaksi pinjam meminjam karena proses pembebanannya dianggap sederhana, mudah dan cepat, tetapi tidak menjamin adanya kepastian hukum, karena dapat saja debitur menjaminkan benda yang telah dibebani dengan Fidusia kepada pihak lain tanpa sepengetahuan penerima Fidusia[5]. Dengan dibuatnya Undang-Undang No 42 Tahun 1999 tentang Jaminan Fidusia ini dimaksudkan untuk membantu kegiatan usaha dan untuk memberikan kepastian hukum kepada para pihak yang berkepentingan, terutama dalam dunia perbankan. Diatumya data yang lengkap yang harus termuat dalam jaminan Fidusia (Pasal 6 Undang-Undang Nomor 43 Tahun 1999 Tentang Fidusia), secara tidak langsung memberikan pegangan yang kuat bagi Kreditur sebagai Penerima Fidusia, khususnya tagihan mana yang dijamin dan besamya nilai jaminan, yang menentukan seberapa besar tagihan kreditur preferen. Persediaan, kecuali dengan persetujuan tertulis terlebih dahulu dan Penerima Fidusia"
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