Analysis of The Application of Criminal Sanctions Against the Act of Transferring Fiduciary Collateral Goods (Case Study: Decision Number 880/Pid.Sus/2024/Pn Srg)

Ahmad Rifai, Denny Suwondo

Abstract


The purpose of this research is to examine and analyze the application of criminal sanctions to the transfer of fiduciary collateral. Pancasila serves as the legal basis for creating prosperity and social justice for all Indonesian citizens. To achieve this, economic development requires capital, supported by the active participation of the business world. In this regard, banking institutions play a crucial role by channeling funds to the public, both in the form of loans and credit. However, a recent phenomenon in financial institutions is the numerous fiduciary cases involving the transfer of ownership rights. A person who intentionally embezzles, transfers, or pawns a fiduciary collateral object to another party can be considered to have committed a crime and can be prosecuted. This research uses a sociological-juridical approach, with descriptive analytical specifications. The data used in this study are primary and secondary data. Data analysis was conducted using qualitative analysis methods. The results of this study are first, the construction of criminal sanctions for the act of transferring fiduciary collateral is based on Law Number 42 of 1999 concerning Fiduciary Guarantees. In addition, Article 372 of the Criminal Code concerning Embezzlement and Article 378 of the Criminal Code concerning Fraud can be imposed. Second, the process of law enforcement against the act of transferring fiduciary collateral at the Banten Regional Police in handling cases against the act of transferring collateral can be done in two ways, the first is Penal and non-penal means. Third, the application of criminal sanctions against the act of transferring fiduciary collateral for the future, for law enforcers in this case must understand the legal instruments or norms regarding the crime of transferring the transfer of fiduciary collateral objects. Likewise, there is a need for literacy for people who have loans through fiduciary collateral institutions, that fiduciary collateral goods are not yet their property, because the loan has not been repaid.


Keywords


Crime; Embezzlement; Fiduciary Guarantee.

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References


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DOI: https://dx.doi.org/10.30659/rlj.4.4.5115-5134

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