PERNYATAAN BERSAMA ANTARA PANITIA URUSAN
PIUTANG NEGARA DENGAN DEBITUR DALAM
KAITANNYA DENGAN PENGURUSAN KREDIT MACET
DITINJAU DARI HUKUM PERJANJIAN
(Penelitian Pada Kantor Pelayanan Pengurusan Piutang Negara di padang)
TESIS
OLEH :
DEVIANTY FITRI
982105006
PROGRAM PASCASARJANA
UNIVERSITAS SUMATERA UTARA
P E R N Y A T A A N B E R S A M A A N T A R A P A N I T I A U R U S A N P I U T A N G
Setiap kredit macet y ang berasal dari bank pemerintah diserahkan pengurusannya kepada Panitia Urusan Piutang Negara (PUPN) berdasarkan pada Undang-Undang Nomor 49 Prp Tahun 1960 Tentang Panitia Urusan P i u t a n g N e g a r a . P U P N m e m p u n y a i k e w e n a n g a n u n t u k m e l a k u k a n p e n g u r u s a n perlu dibahas menge nai bagaimana pelaksanaan Perny ataan Bersa ma t ersebut d itin jau d a r i H u k u m P e r j a n j i a n d a n m e n g e n a i k e n d a l a y a n g d i h a d a p i d a l a m Pernyataan Bersama tersebut.
Untuk membahas permasalahan itu dilakukan penelitian yang bersifat deskriptif analitis. Lokasi penelitian di kota Padang, sebagai sampel PT. Bank N e g a r a I n d o n e s i a ( P e r s e r o ) T b k C a b a n g P a d a n g , P T . B a n k R a k y a t I n d o n e s i a C a b a n g P a d a n g d a n P T . B a n k N a g a r i C a b a n g P a d a n g . R e s p o n d e n d i t e t a p k a n s e c a r a r a n d o m s e b a n y a k 3 0 o r a n g d e b i t u r d a n i n f o r m a n 1 2 o r a n g . A l a t p e n g u m p u l a n d a t a p r i m e r a d a l a h p e d o m a n wawancara, kuesioner dan check list. Sedangkan data sekunder dikumpulkan melalui studi kepustakaan. Analisis data dilakukan dengan metode deskriptif kualitatif.
1
Fakultas Hukum Universitas Andalas Padang
2
Hasil penelitian menunjukan bahwa:
1. Dalam pelaksanaan Pernyataan Bersama antara PUPN dengan debitur dalam pengurusan kredit macet berlangsung sesuai dengan asas kebebasan berkontrak dan kedudukan antara PUPN dengan debitur seimbang. Pada Pernyataan Bersama sudah ada format standarnya yang harus ditandatangani oleh debitur; sama halnya dengan perjanjian kredit pada suatu bank. Akan tetapi Pernyataan Bersama memuat pengakuan hutang dan berkekuatan hukum tetap karena Pernyataan Bersama memuat irah-irah Demi Keadilan Berdasarkan Ketuhanan Yang Maha Esa
2. Kendala-kendala yang ditemui dalam pelaksanaan Pernyataan Bersama antara PUPN dan debitur, yaitu: a) pihak debitur tidak memenuhi pan g gilan KP3 N u ntu k melaksanakan wawancara dalam rangka pelaksanaan Pernyataan Bersama; b) debitur tidak mau mengakui jumlah hutang yang telah diserahkan oleh penyerah hutang (BNI, BRI. BPD), dengan alasan hutang mereka tidak sebanyak yang tertera dalam Berkas Kasus Piutang Negara (BKPN); c) debitur meminta hutang tersebut dihitung ulang; d) debitur tidak mau menandatangani Pernyataan Bersama; e) debitur takut karena dipengaruhi atau diancam oleh pihak ketiga.
Kata kunci:
THE MUTUAL AGREEMENT BETWEEN THE COMMITTEE OF STATE CREDIT AFFAIRS WITH THE DEBITOR IN RELATING TO UNPAID
CREDIT AFFAIR IS VIEWED FROM CONTRACT LAW (A research at the Service Office of the State Credit Affairs in Padang)
D e v i a n t y F i t r il Mariam Darus Badrulzaman2
Sri Kastini2
ABSTRACT
Every unpaid credit from Government Bank is given to Committee of State Affair (PUPN) based on Law Number 49 Prp of 1960 about PUPN. PUPN has authority to do state credit affairs by publishing legal decisions, one of that is Mutual Agreement. Mutual Agreement is as an agreement or accord between debitor or debt warrantor with the head of PUPN which is poured in the letter form that contain debt creed or debt warrantor and/or debt guaranty to pay full all of his that to the government. Based on the above back ground, it is necessary to study about how the Mutual Agreement is viewed from Contract Law and about the obstacles that stated in the mutual agreement.
A descriptive analytical research was done to study the problems. The research location is Padang City, as samples are PT. Bank Negara Indonesia (Persero) Tbk Branch of Padang, PT. Bank Rakyat Indonesia and PT. Bank Nagari Branch of Padang. There are 30 debitors as respondents were chosen by random method and 12 informants. The primary data collectors are interview direction, questionnaire and check list. Where as the secondary data where collected by literature study. The data analysis was done by the descriptive qualitative method.
The research results show that:
1. In the Mutual Agreement accomplishment between PUPN with the debitor in unpaid credit affairs is viewed from Contract Law is done suitable with freedom contract principle and the position between PUPN and the debitor is balance. There is a standard format on Mutual Agreement that must be sign by debitor, the same as credit contract at a bank. But Mutual Agreement contains debt creed and has an absolute legal power, because
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Faculty of Law, Andalas University - Padang
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Mutual Agreement has an adagium With Justice Based On One Supreme God.
2. The obstacle which are found in the mutual agreement accomplishment between PUPN and debitor idest : a) the debitor side is not fulfill KP3N calling to do interview in the frame of Mutual Agreement accomplishment; b) the debitor does not creed of total debit that has be given by debit giver (BNI, BRI, BPD) with a reason that their debit is not as much as stated in the File of State Credit Case (BKPN); c) the debitor asked for recalculate the debit; d) the debitor does not want to sign the Mutual Agreement. e) the debitor fear because is influenced or threatened by the third party.
Key Words:
- Mutual Agreement - Unpaid Credit - Contract Law
