Perlindungan Hukum bagi Kreditur atas Gagal Bayar pada Perjanjian Pinjaman Modal Proyek Perumahan: Studi Kasus Putusan Nomor 69/Pdt.G/2025/PN.Jkt.Sel

Risa Dewi Oktaviani, Alitha Dzakiah Albar, Safina Alia Rameyza, Dwi Desi Yayi Tarina

Abstract


Investment in the property sector, particularly in housing projects, is characterized by high capital requirements and significant risks of default. This research aims to analyze the forms of legal protection available to creditors as the aggrieved party in capital loan agreements and to examine the judicial considerations in Decision Number 69/Pdt.G/2025/PN.Jkt.Sel regarding the fulfillment of creditors' rights. The research methodology employed is normative juridical, using a statutory approach and a case approach. Data sources were derived from secondary data, encompassing primary legal materials such as legislation and court decisions, as well as secondary legal materials, including legal literature. The results indicate that legal protection for creditors is categorized into two forms: preventive protection through the drafting of rigorous contractual clauses and the binding of collateral, and repressive protection through breach of contract (wanprestasi) lawsuits to demand compensation or the execution of collateral. In Decision Number 69/Pdt.G/2025/PN.Jkt.Sel, the court affirmed that the debtors failure to adhere to the payment schedule in the housing project constitutes a breach of contract, granting the creditor the right to recover the principal capital along with interest and penalties as agreed.

Keywords


Legal Protection, Creditor, Default, Housing Project, Breach of Contract.

Full Text:

PDF

References


Prayoga, T., 2023. Rekonstruksi Perlindungan Hukum Bagi Perbankan Dan Pembeli Rumah Susun Dalam Perjanjian Kredit Pemilikan Rumah Susun Yang Berbasis Nilai Keadilan (Doctoral dissertation, UNIVERSITAS ISLAM SULTAN AGUNG).

Saputri, E.M., Waspiah, W. and Arifin, R., 2019. Perlindungan hukum terhadap konsumen dalam hal pengembang (developer) apartemen dinyatakan pailit. Jurnal Hukum Bisnis Bonum Commune, pp.151-161.

Kusuma, O.W. and Rosando, A.F., 2022. Urgensi perlindungan hukum terhadap data pribadi peminjam dalam layanan aplikasi pinjaman online. jhbbc, pp.123-141.

Maula, G.M., Firmansyah, F., Fatahilah, F.Y. and Anugrah, D., 2024. DINAMIKA HUKUM PERIKATAN DALAM PRAKTIK PERBANKAN: PERLINDUNGAN HUKUM BAGI KREDITUR DAN DEBITUR. Letterlijk, 1(2), pp.83-97.

Risa, Y., 2017. Perlindungan Hukum Terhadap Kreditur Atas Wanprestasi Debitur Pada Perjanjian Kredit Dengan Jaminan Hak Tanggungan. Normative Jurnal Ilmiah Hukum, 5(2 November), pp.78-93.

Lubis, M.A. and Harahap, M.Y., 2023. Perlindungan hukum terhadap kreditur sebagai pemegang hak jaminan dalam perkara debitur wanprestasi. Jurnal Interpretasi Hukum, 4(2), pp.337-343.

Murtadho, N.A., 2024. Perlindungan hukum terhadap kreditor preferen dalam pemberesan proses kepailitan. Journal of Contemporary Law Studies, 2(3), pp.207-26.

Manurung, Martin Anggiat Maranata, and Jawade Hafidz. "Perlindungan Hukum Terhadap Kreditor Apabila Objek Jaminan Fidusia Ternyata Hilang Dan Debitor Wanprestasi (Studi Kasus Di PT. Bank Perkreditan Rakyat Dinamika Bangun Arta Salatiga)." Jurnal Akta 4, no. 1 (2017): 37-40.

Pratama, A., & Irianto, K. D. (2024). Wanprestasi perjanjian kredit oleh pihak debitur terhadap pihak Bank BRI Bukittinggi. Jurnal Humani, 14(2).

Nelly, R. (2025). Perlindungan hukum kreditur atas wanprestasi perjanjian kredit. Socius: Jurnal Penelitian Ilmu-Ilmu Sosial, 2(9)

Sholeha, B. U., & Rahman, A. (2025). Perlindungan hukum terhadap kreditur atas wanprestasi debitur dalam akad murabahah pembelian rumah dengan pembiayaan syariah (Studi BSI Lombok Praya). Jurnal Rekomendasi Hukum, 1(3).

Mariam Darus, Perjanjian Kredit Bank. PT Citra Aditya Bakti. Bandung : 1991

Gustav Radbruch, Legal Philosophy, diterjemahkan oleh Kurt Wilk, (Cambridge: Harvard University Press, 2009), hlm. 107.

Roscoe Pound, An Introduction to the Philosophy of Law, (New Haven: Yale University Press, 1954), hlm. 42.

Philipus M. Hadjon, Perlindungan Hukum bagi Rakyat di Indonesia, (Surabaya: Bina Ilmu, 1987), hlm. 2.

Satjipto Rahardjo, Sisi-Sisi Lain dari Hukum di Indonesia, (Jakarta: Kompas, 2003), hlm. 121.




DOI: https://doi.org/10.5281/zenodo.20791551

Refbacks

  • There are currently no refbacks.


Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

 

Media Hukum Indonesia (MHI)

E-ISSN :3032-6591

Organized by Penerbit Yayasan Daarul Huda Kruengmane,