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KEPAILITAN BANK YANG IZIN USAHANYA DICABUT DAN PERLINDUNGAN HUKUM TERHADAP NASABAH BERDASARKAN UNDANG-UNDANG NOMOR 37 TAHUN 2004 TENTANG KEPAILITAN
DAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG DAN UNDANG-UNDANG NOMOR 10 TAHUN 1998 TENTANG PERUBAHAN
ATAS UNDANG-UNDANG NOMOR 7 TAHUN 1992 TENTANG PERBANKAN
SAKA TRIAWAN
110110100242
ABSTRAK
Kepailitan dan Penyelesaian Kewajiban Pembayaran Utang merupakan salah satu upaya dalam penyelesaian utang piutang antara Debitor sebagai penerima pinjaman dan Kreditor sebagai pemberi pinjaman. UU Kepailitan dan PKPU mengatur pihak yang dapat mengajukan permohonan pailit terhadap berbagai bentuk badan hukum dari kreditornya. Permasalahan yang muncul ketika ada lebih dari satu debitor yang memiliki kewenangan mengajukan permohonan terhadap satu kreditor, hal ini terjadi ketika suatu Bank yang izin usahanya dicabut oleh Bank Indonesia diajukan permohonan pailit oleh nasabahnya dengan menyatakan bahwa Bank yang izin usahanya dicabut bukan lagi berbentuk bank melainkan perseroan biasa sehingga bukan kewenangan Bank Indonesia dalam mengajukan permohonan pailit. Penelitian ini ditujukan untuk mengetahui status bank yang izin usahanya dicabut dan kedudukan nasabah dalam kepailitan
Untuk membahas permasalahan dalam skripsi ini, peneliti melakukan pendekatan secara yuridis normatif, yaitu dengan melakukan penelitian yang menitikberatkan pada data kepustakaan atau data sekunder dengan pendekatan asas-asas hukum dan perbandingan hukum. Penelitian ini menggunakan metode deskriptif analitis.
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THE BANKRUPTCY OF BANK WHOSE OPERATING LISENCE HAS BEEN REVOKED AND LEGAL PROTECTION FOR CUSTOMERS BY
THE LAW NUMBER 37 OF 2004 ON BANKRUPTCY AND
SUSPENSION OF OBLIGATION FOR PAYMENT OF DEBTS AND LAW NUMBER 10 OF 1998 ON AMANDEMENT TO LAW NUMBER 7 OF
1992 ON BANKING
SAKA TRIAWAN
110110100251
ABSTRACT
Bankruptcy and suspension of obligation for payment of debts is one of many ways in a debt settlement between the debtors as borrower and creditors as a lender. Bankruptcy Law regulates the parties that may be filed the petition for a declaration of bankcruptcy againts the various forms of their creditors. The problems that arise when there is more than one debtor which has the authority to filed the petition to one creditor which occurs when the bank whose operating lisence has been revoked by Bank Indonesia, in that event the petition for a declaration of bankruptcy be filed by their customers as their customers claiming that their operating lisence has been revoked so the bank is no longer a legal entity form of Bank but company that is also no longer the authority of Bank of Indonesia to filed the petition as mandated by Bankruptcy Law. This research aimed to determine the status of the Bank whose the operating lisence has been revoked and position of customer.
To further examine the problems in this thesis, the author uses a juridical normative approach by researching on literary data or secondary data that gives weight to the legal principles and comparative law. This research Also uses the descriptive analytical method of writing.
The results of this research show that: first, the filing of bankruptcy petition by the customer in practices whose the operating lisence has been revoked by the Bank of Indonesia was not suitable with Bankruptcy Law and Banking Law and other banking regulation. Article 4 paragraph (2) PBI 11/01/2009 mandates that revocation of business license didn't change the status of the bank so that under Article 2, paragraph (3) of the Bankruptcy Law, the petition can only be filed by Bank of Indonesia. Second, the position of the Customer in the practice of the bank filed for bankruptcy is only as unsecure creditors in accordance with Article 2 (1) of the Bankruptcy Law and Article 4 paragraph (2) PBI 01/11/2009.
