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Abstract

Property rights that have been specifically and comprehensively regulated in the Civil Code in Indonesia give the impression that the principle of property rights has been perfectly regulated, but in practice there are still gaps in the owner's rights to objects that are guaranteed not being protected properly. This thesis will discuss the problems caused by objects that are used as fiduciary guarantees in a credit agreement without the knowledge of the owner of the object (by committing fraud) as well as legal protection that can be given to the owner of the object and creditors who receive fiduciary guarantees in good faith. This thesis research was conducted using juridical-normative research methods, with an approach using laws and regulations and case studies. The results of this study conclude that fiduciary guarantees are not born if they are carried out with objects obtained from fraud as stipulated in Article 35 of the Fiduciary Guarantee Law, Supreme Court Decision 1012 K/PDT/2021 does not reflect legal protection to creditors who have good intentions, in the end it has the potential to a lawsuit between the owner of the object and the recipient of the fiduciary guarantee in court.

Bahasa Abstract

Hak milik yang telah diatur secara secara khusus dan komprehensif dalam Kitab-Undang - Undang Hukum Perdata di Indonesia memberikan kesan bahwa prinsip hak milik sudah diatur secara sempurna, tetapi pada praktiknya masih terdapat celah pemilik hak atas benda yang dijaminkan tidak terlindungi sebagaimana mestinya. Skripsi ini akan membahas permasalahan akibat benda yang dijadikan jaminan fidusia dalam suatu perjanjian kredit tanpa sepengetahuan pemilik benda (dengan melakukan penipuan) serta perlindungan hukum yang dapat diberikan kepada pemilik benda dan kreditur penerima jaminan fidusia yang beritikad baik. Penelitian skripsi ini dilakukan dengan menggunakan metode penelitian yuridis-normatif, dengan pendekatan menggunakan peraturan perundang-undangan dan studi kasus. Hasil penelitian ini menyimpulkan bahwa jaminan fidusia tidak lahir apabila dilakukan dengan benda yang didapat dari hasil penipuan sebagaimana diatur dalam Pasal 35 UU Jaminan Fidusia, Putusan Mahkamah Agung 1012 K/PDT/2021 tidak merefleksikan perlindungan hukum kepada kreditur yang beritikad baik, pada akhirnya berpotensi pada gugat-menggugat antara pemilik benda dan penerima jaminan fidusia di pengadilan.

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