Penyelesaian Perkara Wanprestasi Atas Pembiayaan dengan Jaminan Fidusia dan Implikasinya terhadap Lembaga Pembiayaan di PT. Mandiri Tunas Finance Cabang Gorontalo Pasca Putusan Mahkamah Konstitusi No. 18/PUU-XVII/2019

Putri Anjani Zahirah; Sitti Magfirah Makmur; Irwansyah Reza Mohamad; Rahmat Datau

Penyelesaian Perkara Wanprestasi Atas Pembiayaan dengan Jaminan Fidusia dan Implikasinya terhadap Lembaga Pembiayaan di PT. Mandiri Tunas Finance Cabang Gorontalo Pasca Putusan Mahkamah Konstitusi No. 18/PUU-XVII/2019

Putri Anjani Zahirah, Sitti Magfirah Makmur, Irwansyah Reza Mohamad, Rahmat Datau

Abstract

The Constitutional Court Decision No. 18/PUU-XVII/2019 provides an interpretation of Article 15 paragraph (2) of Law No. 42 of 1999 concerning Fiduciary Security. The phrases "executorial power" and "equivalent to a final and binding court decision" were declared inconsistent with the 1945 Constitution and have no binding legal force insofar as they are not interpreted as “applicable only when there is no agreement between the parties regarding the occurrence of default (breach of contract) and the debtor objects to voluntarily surrendering the fiduciary object.” This decision is of particular interest as it can serve as a legal reference to assess the extent to which financing institutions (leasing companies) conduct vehicle repossession in compliance with applicable legal norms.

This research employs a qualitative legal research method, which is a procedure that produces descriptive data in the form of written or spoken words from observed behavior. The approach used is a socio-juridical approach, in which law is studied and examined as a study of law in action. The researcher applies an interactive analysis model technique, in which data reduction and data presentation are carried out alongside data collection.

The Constitutional Court Decision No. 18/PUU-XVII/2019 serves as a legal norm referred to by the researcher in examining breach of contract cases handled by PT. Mandiri Tunas Finance Gorontalo Branch. However, the implications of this Constitutional Court ruling on the institution have proven to be minimal—even almost entirely disregarded as a legal reference. This indicates that many financing institutions still fail to comply with prevailing legal norms, or that these norms may lack deterrent effect, resulting in frequent violations. Therefore, there is a pressing need for more assertive and clearer regulations governing financing institutions in Indonesia.

Keywords

Wanprestasi, Fidusia, Putusan Mahkamah Konstitusi

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