Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitur
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
Penundaan Pelaksanaan Eksekusi Lelang
Terhadap Barang Jaminan Hutang
Milik Nasabah Debitur
(Penelitian Pada Kantor Pelayanan Piutang dan Lelang Negara Medan)
Tesis
Leonardo
Universitas Sumatera Utara
Program Pascasarjana
Kenotariatan
Medan
2005
INTISARI
Dalam memberikan kredit kepada nasabah debitur, kreditur mempunyai keyakinan
berdasarkan analisis yang mendalam atas itikad dan kemampuan serta kesanggupan nasabah debitur
untuk melunasi utangnya atau mengembalikannya sesuai dengan yang diperjanjikan. Untuk itu,
debitur selalu dituntut untuk memberikan jaminan hutang kepada kreditur dengan tujuan agar kreditur
dapat melakukan perbuatan hukum yaitu penyitaan dan penjualan barang jaminan hutang tersebut
apabila debitur tidak memenuhi kewajibannya sesuai dengan yang telah diperjanjikan.
Untuk menyelesaikan suatu masalah kredit tidak lancar berdasarkan Undang-Undang Nomor
49/Prp./1960 tentang Panitia Urusan Piutang Negara (PUPN), pemerintah telah menghunjuk PUPN
sebagai lembaga khusus untuk mengurus kepentingan negara itu. Oleh karenanya PUPN
melaksanakan tugas dan Wewenang tersebut melalui Kantor Pelayanan Piutang dan Lelang Negara
(KP2LN) untuk melakukan langkah-langkah hukum yang bersifat final dan harus dilaksanakan tanpa
melalui lembaga pendidikan lain, seperti Pernyataan Bersama, Surat Paksa dan bahkan sampai pada
eksekusi lelang. Mengingat masih terjadinya penundaan pelaksanaan eksekusi lelang terhadap barang
jaminan hutang milik nasabah debitur yang dimaksud.
Dalam penulisan tesis ini dilengkapi dengan bahan dan data konkrit yang bersifat deskriptif
analisis yaitu menggambarkan dan menganalisis gejala dan fakta yang terdapat dalam praktek
penundaan pelaksanaan eksekusi lelang terhadap barang jaminan hutang milik nasabah debitur.
Metode pendekatan yang digunakan adalah yuridis impiris yaitu dengan menelaah dan menganalisis
fenomena dan fakta empiris yang berkaitan dengan penundaan pelaksanaan lelang terhadap barang
jaminan hutang milik nasabah debitur.
Berdasarkan hasil penelitian dan pembahasan dapat disimpulkan bahwa terjadinya
penundaan pelakbanaan eksekusi lelang pada KP2LN Medan karena adanya
*) Mahasiswa Program Studi Magister Kenotariatan pada Sekolah Pascasarjana Universitas
Sumatera Utara.
**) Dosen Program Studi Studi Magister Kenotariatan pada Sekolah Pascasarjana Universitas
Sumatera Utara.
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
campur tangan Pengadilan Tata Usaha Negara dalam penundaan pelaksanaan lelang sehingga produk
hukum KP2LN tidak memperoleh kepastian hukum dan hak pembeli menjadi terabaikan, adanya
gugatan dari pihak ketiga misainya suami atau isteri dari debitur atau sesama ahli waris oleh karena
barang jaminan hutang merupakan harta bersama atau harta peninggalan orang tua dari para ahli waris
yang bersangkutan. Selain itu, debitur melakukan pembayaran setelah pengumuman lelang kedua dan
oleh karena itu pemohon lelang meminta penundaan pelaksanaan lelang.
Dari hasil penelitian dan pembahasan tulisan ini disarankan kepada Lembaga Peradilan agar
dapat membedakan pemakaian istilah “Penundaan Lelang” dengan “Pembatalan Lelang” karena
Penundaan lelang berarti pelaksanaan lelang dapat ditunda dan akan dilanjutkan di lain waktu,
sedangkan “Pembatalan lelang” berarti pelaksanaan lelang tidak dapat dilakukan lagi. Disarankan
juga kepada pihak PUPN untuk tetap mempertahankan produk hukumnya dengan upaya hukum biasa
dan bahkan sampai pada upaya hukum luar biasa. Di samping itu, diharapkan kepada KP2LN untuk
tidak melakukan penundaan pelaksanaan lelang setelah diterbitkannya pengumuman lelang kedua,
walaupun pihak dibitur berkeinginan melakukan pembayaran angsuran hutangnya.
Kata kunci :
- Penundaan eksekusi lelang
- Barang jaminan hutang
- Nasabah debitur.
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
Posponing For Implementing An Auction Execution
On The Guarantee Goods On Credit
Belong To Debtor Client
( Study on KP2LN Medan )
Leonardo
Universitas Sumatera Utara
Program Pascasarjana
Kenotariatan
Medan
2005
ABSTRACT
In giving credit to a customer as debtor, in one hand the creditor has confidence based to his
own analysis deeply upon good intension and capability, his willingly to pay all credit or repaying it
properly as aggreement. Therefore, a debtor is always required to present some guarantee to creditor
with the aims the creditor could carry out a legal act for confiscation and sale the guarantee goods
out once day if the debtor does not fulfill his obligation orderly according to the agreement.
In order to keep settlement for a bad credit as according to the Undang-undang No.
49/Prp./I960 regarding Panitia Urusan Piutang Negara (PUPN), on behalf on government, there has
appointed PUPN as a special institute to handle the problem to represent the government. Therefore,
PUPN haindles that function through a legal steps taken finally and carry out it through other
jurisdiction institute, such as Jointly Statement, a warrant letter, still hand over an authority for doing
execution by auction. Due to frequently found a postpone for implementing an execution with
auction on KP2LN of Medan, however it is urged to do a research and search regarding the causes
occurrence for postponing the execution of auction implementation on some guarantee for a credit
which goods belong to debtor as customer as intended.
To this study, it was equipped with some material and any concrete data, took it by adopting
an analysis descriptive research namely by describing and analyze the indications and facts found
while practicing a postponing the execution on auction to the goods as guarantee belong to the
debtor as customer. The approaching method used to this paper is perhaps and empirical juridical
one, there by interpreting and analyse the indications and other empirical facts connecting to the
execution postponing for auction to the goods of guarantee belong to the debtor as customer.
Bases to the result of study and following discussion, it can be taken conclusion that any
occurrence for postponing the execution by auction on KP2LN of Medan seemly on existed some
intervention by Pengadilan Tata Usaha Negara
*) Postgraduate Student, Notary School, Universitas Sumatera Utara
**) Lecturer, Postgraduate Program, Notary School, Universitas Sumatera Utara
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
District Court particularly in postponing the auction execution so its legal product issued by KP2LN
having no good legal sure and the right of buyer shall ignore, either emerging some lawsuit by other
side as husband or wife of debtor for instance, or as-fellow of heirs since the guarantee goods for
credit including to a jointly properties or notified then as inheritance of the parent of those heirs
concerned. In addition, debtor shall give any payment after existing an announcement for the second
auction and thus the applicant for auction request a postponing for auction execution.
From the result of research, following interpret the material to this paper is suggested to the
Jurisdiction institute to hold differentiate the adoption for the term “postponing the auction” by
“cancellation for auction”, since the meaning for Postponing the auction it shall be postponed for
some days, and it can be extended on other day, while adopting “cancellation for auction” means the
auction execution unable to do it extension on other day. It is suggestible to the side of PUPN for
maintain persistently the legal product perhaps by an usual legal effort of course even to hold an
extraordinary effort to handle it. Still, it is urged to KP2LN institute for doing never any postponing
for an auction execution following issuing an announcement for the second auction, although the
debtor side wishes to do payment by installment over his credit.
Key words :
- Postponing the auction execution
- debtor guarantee for credit
- Debtor Client
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
USU Repository © 2006
Penundaan Pelaksanaan Eksekusi Lelang
Terhadap Barang Jaminan Hutang
Milik Nasabah Debitur
(Penelitian Pada Kantor Pelayanan Piutang dan Lelang Negara Medan)
Tesis
Leonardo
Universitas Sumatera Utara
Program Pascasarjana
Kenotariatan
Medan
2005
INTISARI
Dalam memberikan kredit kepada nasabah debitur, kreditur mempunyai keyakinan
berdasarkan analisis yang mendalam atas itikad dan kemampuan serta kesanggupan nasabah debitur
untuk melunasi utangnya atau mengembalikannya sesuai dengan yang diperjanjikan. Untuk itu,
debitur selalu dituntut untuk memberikan jaminan hutang kepada kreditur dengan tujuan agar kreditur
dapat melakukan perbuatan hukum yaitu penyitaan dan penjualan barang jaminan hutang tersebut
apabila debitur tidak memenuhi kewajibannya sesuai dengan yang telah diperjanjikan.
Untuk menyelesaikan suatu masalah kredit tidak lancar berdasarkan Undang-Undang Nomor
49/Prp./1960 tentang Panitia Urusan Piutang Negara (PUPN), pemerintah telah menghunjuk PUPN
sebagai lembaga khusus untuk mengurus kepentingan negara itu. Oleh karenanya PUPN
melaksanakan tugas dan Wewenang tersebut melalui Kantor Pelayanan Piutang dan Lelang Negara
(KP2LN) untuk melakukan langkah-langkah hukum yang bersifat final dan harus dilaksanakan tanpa
melalui lembaga pendidikan lain, seperti Pernyataan Bersama, Surat Paksa dan bahkan sampai pada
eksekusi lelang. Mengingat masih terjadinya penundaan pelaksanaan eksekusi lelang terhadap barang
jaminan hutang milik nasabah debitur yang dimaksud.
Dalam penulisan tesis ini dilengkapi dengan bahan dan data konkrit yang bersifat deskriptif
analisis yaitu menggambarkan dan menganalisis gejala dan fakta yang terdapat dalam praktek
penundaan pelaksanaan eksekusi lelang terhadap barang jaminan hutang milik nasabah debitur.
Metode pendekatan yang digunakan adalah yuridis impiris yaitu dengan menelaah dan menganalisis
fenomena dan fakta empiris yang berkaitan dengan penundaan pelaksanaan lelang terhadap barang
jaminan hutang milik nasabah debitur.
Berdasarkan hasil penelitian dan pembahasan dapat disimpulkan bahwa terjadinya
penundaan pelakbanaan eksekusi lelang pada KP2LN Medan karena adanya
*) Mahasiswa Program Studi Magister Kenotariatan pada Sekolah Pascasarjana Universitas
Sumatera Utara.
**) Dosen Program Studi Studi Magister Kenotariatan pada Sekolah Pascasarjana Universitas
Sumatera Utara.
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
campur tangan Pengadilan Tata Usaha Negara dalam penundaan pelaksanaan lelang sehingga produk
hukum KP2LN tidak memperoleh kepastian hukum dan hak pembeli menjadi terabaikan, adanya
gugatan dari pihak ketiga misainya suami atau isteri dari debitur atau sesama ahli waris oleh karena
barang jaminan hutang merupakan harta bersama atau harta peninggalan orang tua dari para ahli waris
yang bersangkutan. Selain itu, debitur melakukan pembayaran setelah pengumuman lelang kedua dan
oleh karena itu pemohon lelang meminta penundaan pelaksanaan lelang.
Dari hasil penelitian dan pembahasan tulisan ini disarankan kepada Lembaga Peradilan agar
dapat membedakan pemakaian istilah “Penundaan Lelang” dengan “Pembatalan Lelang” karena
Penundaan lelang berarti pelaksanaan lelang dapat ditunda dan akan dilanjutkan di lain waktu,
sedangkan “Pembatalan lelang” berarti pelaksanaan lelang tidak dapat dilakukan lagi. Disarankan
juga kepada pihak PUPN untuk tetap mempertahankan produk hukumnya dengan upaya hukum biasa
dan bahkan sampai pada upaya hukum luar biasa. Di samping itu, diharapkan kepada KP2LN untuk
tidak melakukan penundaan pelaksanaan lelang setelah diterbitkannya pengumuman lelang kedua,
walaupun pihak dibitur berkeinginan melakukan pembayaran angsuran hutangnya.
Kata kunci :
- Penundaan eksekusi lelang
- Barang jaminan hutang
- Nasabah debitur.
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
Posponing For Implementing An Auction Execution
On The Guarantee Goods On Credit
Belong To Debtor Client
( Study on KP2LN Medan )
Leonardo
Universitas Sumatera Utara
Program Pascasarjana
Kenotariatan
Medan
2005
ABSTRACT
In giving credit to a customer as debtor, in one hand the creditor has confidence based to his
own analysis deeply upon good intension and capability, his willingly to pay all credit or repaying it
properly as aggreement. Therefore, a debtor is always required to present some guarantee to creditor
with the aims the creditor could carry out a legal act for confiscation and sale the guarantee goods
out once day if the debtor does not fulfill his obligation orderly according to the agreement.
In order to keep settlement for a bad credit as according to the Undang-undang No.
49/Prp./I960 regarding Panitia Urusan Piutang Negara (PUPN), on behalf on government, there has
appointed PUPN as a special institute to handle the problem to represent the government. Therefore,
PUPN haindles that function through a legal steps taken finally and carry out it through other
jurisdiction institute, such as Jointly Statement, a warrant letter, still hand over an authority for doing
execution by auction. Due to frequently found a postpone for implementing an execution with
auction on KP2LN of Medan, however it is urged to do a research and search regarding the causes
occurrence for postponing the execution of auction implementation on some guarantee for a credit
which goods belong to debtor as customer as intended.
To this study, it was equipped with some material and any concrete data, took it by adopting
an analysis descriptive research namely by describing and analyze the indications and facts found
while practicing a postponing the execution on auction to the goods as guarantee belong to the
debtor as customer. The approaching method used to this paper is perhaps and empirical juridical
one, there by interpreting and analyse the indications and other empirical facts connecting to the
execution postponing for auction to the goods of guarantee belong to the debtor as customer.
Bases to the result of study and following discussion, it can be taken conclusion that any
occurrence for postponing the execution by auction on KP2LN of Medan seemly on existed some
intervention by Pengadilan Tata Usaha Negara
*) Postgraduate Student, Notary School, Universitas Sumatera Utara
**) Lecturer, Postgraduate Program, Notary School, Universitas Sumatera Utara
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006
District Court particularly in postponing the auction execution so its legal product issued by KP2LN
having no good legal sure and the right of buyer shall ignore, either emerging some lawsuit by other
side as husband or wife of debtor for instance, or as-fellow of heirs since the guarantee goods for
credit including to a jointly properties or notified then as inheritance of the parent of those heirs
concerned. In addition, debtor shall give any payment after existing an announcement for the second
auction and thus the applicant for auction request a postponing for auction execution.
From the result of research, following interpret the material to this paper is suggested to the
Jurisdiction institute to hold differentiate the adoption for the term “postponing the auction” by
“cancellation for auction”, since the meaning for Postponing the auction it shall be postponed for
some days, and it can be extended on other day, while adopting “cancellation for auction” means the
auction execution unable to do it extension on other day. It is suggestible to the side of PUPN for
maintain persistently the legal product perhaps by an usual legal effort of course even to hold an
extraordinary effort to handle it. Still, it is urged to KP2LN institute for doing never any postponing
for an auction execution following issuing an announcement for the second auction, although the
debtor side wishes to do payment by installment over his credit.
Key words :
- Postponing the auction execution
- debtor guarantee for credit
- Debtor Client
Leonardo : Penundaan Pelaksanaan Eksekusi Lelang Terhadap Barang Jaminan Hutang Milik Nasabah Debitor, 2005
USU Repository © 2006