Legal Protection Against Debiturs In Syariah Economic Cases Decision Skmht Number 723/Pdt.G/Pa Gtlo

Bambang Agus Pariyono; Mochammad Erwin Radityo; Siti Nurhayati

doi:10.53697/iso.v4i2.2135

Authors

Bambang Agus Pariyono Universitas Pembangunan Panca Budi
Mochammad Erwin Radityo Universitas Pembangunan Panca Budi
Siti Nurhayati Universitas Pembangunan Panca Budi

DOI:

https://doi.org/10.53697/iso.v4i2.2135

Keywords:

Protection, Debiturs, Syariah Economics

Abstract

This journal discusses the legal issues related to the disbursement of financing facilities amounting to Rp. 80,000,000,- by DEFENDANT I without any valid Mortgage Rights binding on SHM No. 34/Buladu, which resulted in the disbursement being considered invalid. Decision Number 723/PDT.G/2021/PA.Gtlo confirms that the deeds made do not meet the formal requirements and must be declared null and void by law. This study also highlights legal protection for debtors in the context of sharia economics, with a focus on fiduciary guarantees regulated in Law No. 42 of 1999. The case discussed involves the confiscation of fiduciary guarantee objects due to the debtor's default, as well as the importance of SKMHT (Power of Attorney to Charge Mortgage Rights) as a legal instrument to secure the creditor's position. This study uses normative legal methods and identifies the factors causing the debtor's default, as well as the correct procedures in issuing APHT (Deed of Granting Mortgage Rights). The results of the study indicate that there is abuse of conditions in the agreement and breach of promise by the debtor, and emphasize the importance of understanding the rights and obligations of debtors and creditors in debt agreements.

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