Legal Consequences of Fiduciary Guarantee Objects in Notarial Deeds That Have Not Been Registered by a Notary

Chrisnawati Jhesie Pangestu, Dahniarti Hasana

Abstract


Abstract. This study aims to analyze: 1) The procedure for charging and registering credit/financing guarantees with fiduciary guarantees according to the Law on Fiduciary Guarantees, which consists of two main stages. First, the charging stage is carried out by making a fiduciary guarantee deed by a notary in Indonesian, which must include the identities of the parties, the main agreement data, a description of the object being guaranteed, as well as the value of the guarantee and the object of the guarantee. Furthermore, the registration stage aims to provide legal certainty for related parties by recording the fiduciary guarantee at the Fiduciary Registration Office, which is now done electronically in accordance with the Regulation of the Minister of Law and Human Rights Number 10 of 2013. The fiduciary certificate issued has the same executorial power as a court decision, so it can be used directly as a basis for execution without requiring a trial process. The cost of making a fiduciary guarantee deed is determined based on the guarantee value, with a percentage of costs that are getting smaller as the value of the collateral object increases. 2) The legal consequences of the object of fiduciary guarantee in a notarial deed that has not been registered by the notary have implications for the legal position of the creditor as the recipient of the fiduciary. Based on Law Number 42 of 1999 concerning Fiduciary Guarantees, registration of fiduciary guarantees is mandatory to provide legal certainty and execution rights to the creditor. If the fiduciary guarantee deed is not registered, the creditor only has rights as a concurrent creditor, not a preferred creditor, so that his rights are not prioritized in debt settlement if the debtor defaults or goes bankrupt. In addition, unregistered fiduciary guarantees also do not have execution powers as regulated in Article 15 paragraph (2) of the Fiduciary Guarantee Law, so that the creditor must go through a civil lawsuit process in court to execute the guarantee.

Keywords: Credit, Notary, Fiduciary Guarantee.


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References


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