"[
ABSTRAKPerekonomian bangsa Indonesia pada dasarnya dipengaruhi oleh beberapa faktor
baik dalam skala makro maupun mikro. Kegiatan pinjam meminjam uang telah
dilakukan sejak lama dalam kehidupan masyarakat yang telah mengenal uang
sebagai alat pembayaran. Bank merupakan lembaga yang menyediakan dana bagi
masyarakat yang membutuhkan, karena keberadaannya harus bermanfaat bagi
masyarakat luas, bank juga melakukan pemberian kredit modal kerja dengan
tujuanya adalah untuk meningkatkan taraf kehidupan masyarakat khususnya
dalam usaha mikro kecil dan menengah. Oleh karena itu, Penulis bertujuan untuk
mengetahui bagaimana proses pengikatan jaminan sebagai syarat diberikannya
kredit oleh bank dan keabsahan pengikatan jaminan non fixed asset pada PT. Bank
M cabang Kota Tasikmalaya. Metode penelitian yang digunakan dalam penelitian
ini bersifat deskriptif analitis dengan pendekatan yuridis normatif. Data yang
diperoleh dianalisis dengan metode kualitatif. Melalui penelitian ini, dapat
diketahui bahwa pengikatan jaminan non fixed asset dengan cara cessie
seharusnya didaftarkan pada lembaga jaminan fidusia. Keabsahan pengikatan
jaminan tersebut dianggap sah apabila tidak bertentangan dengan undang-undang
dan kaidah dalam hukum jaminan kebendaan.
ABSTRACTBasically, Indonesia?s economic matters are influenced by many factors both in
macro and micro scale. Since money known as the medium of exchange, money
lending activities had been done by public in their daily life for years. Bank is an
institution that provides fund for those who need it. Because of its beneficial
purposes, bank also provides lending capital loan in order to increase people?s
living standards especially in micro small medium enterprises. Therefore, this
research is aimed to know the process of collateral binding as the requirement of
getting credit and the validity of non fixed asset collateral binding at PT. Bank M
Tasikmalaya. The research method is analytic descriptive with juridical normative
approach. The data collected are analyzed by qualitative method. By this research,
it can be known that non fixed asset collateral binding using cassie is supposed to
be registered to the fiduciary collateral institution. The validity of that collateral
binding is regarded oficially if it is not contradicted with the regulations and the
principle of collateral warranty law.;Basically, Indonesia?s economic matters are influenced by many factors both in
macro and micro scale. Since money known as the medium of exchange, money
lending activities had been done by public in their daily life for years. Bank is an
institution that provides fund for those who need it. Because of its beneficial
purposes, bank also provides lending capital loan in order to increase people?s
living standards especially in micro small medium enterprises. Therefore, this
research is aimed to know the process of collateral binding as the requirement of
getting credit and the validity of non fixed asset collateral binding at PT. Bank M
Tasikmalaya. The research method is analytic descriptive with juridical normative
approach. The data collected are analyzed by qualitative method. By this research,
it can be known that non fixed asset collateral binding using cassie is supposed to
be registered to the fiduciary collateral institution. The validity of that collateral
binding is regarded oficially if it is not contradicted with the regulations and the
principle of collateral warranty law.;Basically, Indonesia?s economic matters are influenced by many factors both in
macro and micro scale. Since money known as the medium of exchange, money
lending activities had been done by public in their daily life for years. Bank is an
institution that provides fund for those who need it. Because of its beneficial
purposes, bank also provides lending capital loan in order to increase people?s
living standards especially in micro small medium enterprises. Therefore, this
research is aimed to know the process of collateral binding as the requirement of
getting credit and the validity of non fixed asset collateral binding at PT. Bank M
Tasikmalaya. The research method is analytic descriptive with juridical normative
approach. The data collected are analyzed by qualitative method. By this research,
it can be known that non fixed asset collateral binding using cassie is supposed to
be registered to the fiduciary collateral institution. The validity of that collateral
binding is regarded oficially if it is not contradicted with the regulations and the
principle of collateral warranty law., Basically, Indonesia’s economic matters are influenced by many factors both in
macro and micro scale. Since money known as the medium of exchange, money
lending activities had been done by public in their daily life for years. Bank is an
institution that provides fund for those who need it. Because of its beneficial
purposes, bank also provides lending capital loan in order to increase people’s
living standards especially in micro small medium enterprises. Therefore, this
research is aimed to know the process of collateral binding as the requirement of
getting credit and the validity of non fixed asset collateral binding at PT. Bank M
Tasikmalaya. The research method is analytic descriptive with juridical normative
approach. The data collected are analyzed by qualitative method. By this research,
it can be known that non fixed asset collateral binding using cassie is supposed to
be registered to the fiduciary collateral institution. The validity of that collateral
binding is regarded oficially if it is not contradicted with the regulations and the
principle of collateral warranty law.]"
