Implementasi di Lapangan terhadap Penarikan Paksa Objek Jaminan Fidusia Pasca Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019 dan Putusan Mahkamah Konstitusi Nomor 2/PUU-XIX/2021

Raka Hoemar Brahmana

doi:10.59059/mutiara.v4i3.3266

Authors

Raka Hoemar Brahmana Universitas Diponegoro

DOI:

https://doi.org/10.59059/mutiara.v4i3.3266

Keywords:

Constitutional Court Decision, Creditors' Rights, Debtor Protection, Dispute Alternatives, Fiduciary Execution

Abstract

The forced withdrawal of the object of fiduciary guarantee is a mechanism commonly used by creditors to guarantee their rights to the payment of defaulted debts. However, the Constitutional Court Decision Number 18/PUUXVII/2019 and Number 2/PUUXIX/2021 affirm that fiduciary execution cannot be carried out unilaterally without the debtor's voluntary consent. This decision aims to balance creditors' rights with legal protection for debtors in accordance with Article 28D paragraph (1) of the 1945 Constitution and Article 6 of Law Number 42 of 1999 concerning Fiduciary Guarantees. Implementation in the field shows procedural obstacles, such as differences in perceptions of defaults, criminal legal risks for creditors and third parties, and the involvement of law enforcement officials who must be careful. The Constitutional Court's decision encourages the use of mediation or arbitration as an alternative dispute resolution before litigation, in line with Law Number 30 of 1999 concerning Arbitration and Alternative Dispute Resolution. In addition, creditors need to adjust internal procedures, while debtors must understand their rights and obligations. Broader legal education is needed so that fiduciary enforcement practices are carried out legally, fairly, and efficiently. In conclusion, the Constitutional Court's decision strengthens the principles of justice, legal certainty, and protection of human rights, as well as encourages professional and balanced fiduciary practices in Indonesia.

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