Pelindungan Hukum Bagi Penerima Fidusia Atas Benda Inventory Yang Dialihkan Tanpa Persetujuan. (Legal Protection for Fiduciary Recipients of Inventory Items Transferred Without Consent).

Pratama, Rona Jingga Putri (2025) Pelindungan Hukum Bagi Penerima Fidusia Atas Benda Inventory Yang Dialihkan Tanpa Persetujuan. (Legal Protection for Fiduciary Recipients of Inventory Items Transferred Without Consent). Undergraduate thesis, Universitas 17 Agustus 1945 Surabaya.

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Abstract

Jaminan fidusia sebagai lembaga jaminan kebendaan atas benda bergerak memiliki peran penting dalam mendukung aktivitas pembiayaan, termasuk terhadap benda persediaan (inventory) yang bersifat dinamis dan terus mengalami perputaran dalam kegiatan usaha. Namun, karakteristik tersebut menimbulkan persoalan hukum ketika dikaitkan dengan ketentuan Pasal 23 ayat (2) Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia yang mengatur larangan pengalihan objek jaminan tanpa persetujuan tertulis dari penerima fidusia, sementara dalam praktik benda persediaan justru harus terus dialihkan untuk menjaga keberlangsungan usaha debitur. Penelitian hukum normatif ini menggunakan pendekatan perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan bahwa secara yuridis benda persediaan sah dijadikan sebagai objek jaminan fidusia, namun pengecualian terhadap asas droit de suite sebagaimana diatur dalam Pasal 20, Pasal 21, Pasal 22, dan Pasal 23 ayat (2) UU Jaminan Fidusia berpotensi melemahkan kedudukan penerima fidusia, khususnya ketika objek dialihkan kepada pihak ketiga yang beritikad baik. Oleh karena itu, diperlukan penataan ulang dan penguatan pengaturan hukum guna menciptakan keseimbangan antara kepentingan debitur dan pelindungan hak penerima fidusia.

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