Asas Publisitas dalam Hukum Jaminan; Telaah Kritis Terhadap Perspektifitas Perlindungan Kreditur
DOI:
https://doi.org/10.32505/muamalat.v10i2.11098Keywords:
Publicity Principle, Security Law, Creditor ProtectionAbstract
Ideally, the publicity principle in security law functions as a transparency instrument to provide legal certainty and maximum protection for creditors over secured objects. However, in practice, this principle often faces distortions, particularly in fiduciary guarantees that are not registered, leading to legal uncertainty and weakening the creditor’s position in the event of a dispute. This study aims to critically examine the effectiveness of the publicity principle in protecting creditors’ interests within Indonesia’s security law framework. The research method employed is a literature study with a qualitative-descriptive approach, relying on primary sources such as legislation and secondary sources including legal literature. The findings indicate that the implementation of the publicity principle has not been fully effective in ensuring legal certainty for creditors, primarily due to weak enforcement of registration obligations and the absence of strict sanctions for violations. Therefore, a reformulation of the legal protection mechanism is necessary to better respond to creditors' interests.
References
Anggoro, T. (2021). Transformasi Asas Publisitas Kepailitan dan PKPU untuk Penurunan Biaya Kepailitan dan Kemudahan Akses Informasi dalam Mendukung Pemulihan Ekonomi Indonesia. Jurnal Rechts Vinding: Media Pembinaan Hukum Nasional, 10(3), 479–497. https://doi.org/10.33331/rechtsvinding.v10i3.746
Anggrahini, A., & Kuswanto, H. (2024). Penerapan Layanan Hak Tanggungan Secara Elektronik Dalam Praktik Pemberian Hak Tanggungan Kepada Kreditor. Dewantara: Jurnal Pendidikan Sosial Humaniora, 3(1), 275–283. https://doi.org/10.30640/dewantara.v3i1.2236
Gozali, D. S. (2021). Dasar Filosofis dan Karakteristik Asas Publisitas dalam Jaminan Kebendaan. Jurnal Hukum Dan Kenotariatan, 5(4), Article 4. https://doi.org/10.33474/hukeno.v5i4.10875
Hedistira, D., & Pujiyono. (2020). Kepemilikan dan Penguasaan Objek Jaminan Fidusia Apabila Terjadi Sengketa Wanprestasi dalam Perjanjian Kredit. Jurnal Privat Law, 8(1), Article 1. https://doi.org/10.20961/privat.v8i1.40372
Ismayani, I., & Muhlizar, M. (2024). Execution Guarantee Fiduciary Consequence Debtor Default on Agreement Credit. Pena Justisia: Media Komunikasi Dan Kajian Hukum, 23(1), 466–478. https://doi.org/10.31941/pj.v23i1.3671
Rahmaniyah, H., & Sumriyah. (2023). Tinjauan Yuridis Wanprestasi dalam Perjanjian Kredit dengan Jaminan Perseorangan. Journal Sains Student Research, 1(1), Article 1. https://doi.org/10.61722/jssr.v1i1.432
Sidabutar, B. (2023). Kepastian Hukum Kepemilikan Hak atas Tanah menurut Sistem Hukum di Indonesia dan Praktik Yudisial. Jurnal Gagasan Hukum, 5(01), 41–50. https://doi.org/10.31849/jgh.v5i01.13232
Jauza Tsania Herdin, & Mohamad Fajri Mekka Putra. (2022). Analysis of the Impact of the Decision of the Constitutional Court Number 2/PUU-XIX/2021 on Fiduciary Guarantee in Batam. Awang Long Law Review, 5(1). https://doi.org/10.56301/awl.v5i1.537
Khalid, A. (2023). Analisis Itikad Baik sebagai Asas Hukum Perjanjian. Jurnal Legal Reasoning, 5(2), 109–122. https://doi.org/10.35814/jlr.v5i2.4644
Lubis, M. A., & Hidayat, M. Y. (2023). Perlindungan Hukum terhadap Kreditur sebagai Pemegang Hak Jaminan dalam Perkara Debitur Wanprestasi. Interpretasi Hukum, 4(2).
Marindowati, M. (2016). Pendaftaran Hak Tanggungan Menurut Undang-Undang Nomor 4 Tahun 1996. Fiat Justisia: Jurnal Ilmu Hukum. https://doi.org/10.25041/fiatjustisia.v1no1.533
Mulyono, H., Hafidz, J., & Witasari, A. (2022). The Legal Position of Attorney’s Power Imposing Mortgage Rights in Providing Subsidized Home Ownership Credit Facilities. Sultan Agung Notary Law Review, 4(2), 543. https://doi.org/10.30659/sanlar.4.2.543-554
Musadad, A. (2020). Hukum Jaminan: Perspektif Hukum Positif dan Hukum Islam (Cet. ke-1). Batu: Literasi Nusantara.
Protection, L., Creditors, O. F., To, R., Of, R., Process, T. H. E., Registration, O. F., … Completed, B. (2023). Result of the Process of Registration of Land Rights. Jurnal Hukum Pertanahan, 4(3).
Rozi, A. F., Qomariyah, S., Albatul, L. I., & Nur, L. F. (2023). Analisis Konsep, Prinsip, dan Implementasi Hukum Jaminan dalam Menjamin Kepastian dan Perlindungan bagi Kreditur dan Debitur di Indonesia. Jurnal Hukum, 1.
Sumiati, Y., Janwari, Y., & Yusup, D. K. (2024). Penelusuran Prinsip-prinsip Ekonomi Syariah tentang Jaminan dalam Peraturan Perundang-undangan di Indonesia. Asy-Syariah, 2(26). https://doi.org/10.15575/as.v26i2.37523
Supianto, S., & Budiman, N. T. (2021). Pendaftaran Jaminan Fidusia sebagai Pemenuhan Asas Publisitas. Ijlil, 1(3). https://doi.org/10.35719/ijl.v1i3.84
Tugiyati. (2020). Terintegrasi Secara Elektronik Berdasarkan Peraturan Menteri Agraria dan Tata Ruang/Kepala BPN RI Nomor 5 Tahun 2020 (Studi Kasus di Kantor Pertanahan Kabupaten Boyolali), 2020(5).
Wulandari, S., Miru, A., Borahima, A., & Burhamzah, O. D. (2024). The Principle of Publicity in the Binding of Guarantees for Credit in the Distribution of Credit in Banking Institutions Linked to the Prudential Banking Principle. Journal of Law and Sustainable Development, 12(1), e2703. https://doi.org/10.55908/sdgs.v12i1.2703

