EKSEKUSI JAMINAN FIDUSIA TERHADAP PEMBIAYAAN BERMASALAH DI KOPERASI BAITUL MAAL WA TAMWIL KABUPATEN SEMARANG

Abstract

The purpose of executing the object of the fiduciary is to guarantee the repayment of the credit facility granted by banking institutions as creditors. The problem in this study is on the execution of motor vehicles in the Baitul Maal Tanwil in the district of Semarang cause many problems. This thesis uses normative juridical research method and empirical research data support. Based on qualitative analysis known that prevention fiduciary execution problems, can be done by registration of fiduciary security object at the Ministry of Justice and Human Rights through an online application method, but to do an execution must be done on the spot, online application method of the execution of fiduciary can make  sure a justice and legal standing for creditors to execution of fiduciary object, and  by registering online fiduciary guarantee object, the object is expected to issue execution fiduciary.

Keywords: Fiduciary, Execution Fiduciary, Baitul Maal Tamwil.

Abstrak

Tujuan pelaksanaan eksekusi objek jaminan fidusia adalah untuk menjamin pelunasan terhadap fasilitas kredit yang diberikan oleh lembaga perbankan selaku kreditor. Pelaksanaan eksekusi objek jaminan fidusia pada kendaraan bermotor pada Baitul Maal Tanwil di wilayah Kabupaten Semarang menimbulkan berbagai macam permasalahan. Penulisan tesis ini menggunakan metode penelitian yuridis normatif dan didukung data penelitian empiris. Berdasarkan analisis kualitatif diketahui bahwa pencegahan permasalahan pelaksanaan eksekusi jaminan fidusia, dapat dilakukan dengan melakukan pendaftaran objek jaminan fidusia pada kantor Kementerian Hukum dan Hak Asasi Manusia melalui metode pendaftaran secara online, tetapi pelaksanaan eksekusi jaminan fidusia tetap dilakukan secara langsung di lapangan, pendaftaran objek jaminan fidusia secara online, memberikan suatu kepastian hukum atau legal standing yang jelas bagi kreditor di dalam mengeksekusi objek jaminan fidusia.

Kata kunci : Fidusia, Eksekusi Jaminan Fidusia, Baitul Maal Tamwil.