THE BANKRUPTCY OF PERSONAL GUARATOR’S HEIRS UNDER INDONESIA LEGAL SYSTEM

Authors

  • Nuruzzhahrah Diza Universitas Islam Nusantara
  • Imas Rosidawati Wiradirja Universitas Islam Nusantara

DOI:

https://doi.org/10.51804/jrhces.v1i1.198

Keywords:

heirs, bankruptcy, personal guarantor

Abstract

The great advance of today’s business is certainly supported by the existence of banks loan facility. However, banks will not easily grant the loans to just anybody since there would be a probability that banks meet with the default risk. To reduce the impact of the risk, they require a guarantee. For banks, the guarantee shall legally provide them a protection, security and certainty in getting their loan repayment. As a common form, banks usually ask for property as collateral, but sometimes banks meet difficulty to execute it. Hence, nowadays, the banks will also ask for a personal guarantee. Personal guarantee is an agreement in which a third party agrees to fulfill the obligation of the debtor if debtor himself fail to do so. The personal guarantor has big responsibilities, even into the realm of bankruptcy. Even though a personal guarantor is not a debtor, a creditor may file him a bankruptcy petition to the Commercial Court if he meets the bankruptcy requirement. Problems then arise when a personal guarantor dies and it causes the creditors to lose a person who guarantees the debtor’s obligation. This research tackles with the problems by using a normative juridical approach with descriptive analysis of secondary data which consist of primary law materials and secondary law materials. The study shows that the death of personal guarantor causes the rights and obligations of personal guarantor upon the agreement are passed to his heirs. Consequently, his heirs as the party who do not involve in the loan agreement and the personal guarantee agreement may be filed the bankruptcy petition by the creditor as it is usually filed to the personal guarantor.

References

Ali, Z. (2009). Metode penelitian hukum. Jakarta: Sinar Grafika.

Ekasari, R., Pradana, M. S., Adriansyah, G., Prasnowo, M. A., Rodli, A. F., & Hidayat, K. (2017). Analisis Kualitas Pelayanan Puskesmas Dengan Metode Servqual. Jurnal Darussalam: Jurnal Pendidikan, Komunikasi Dan Pemikiran Hukum Islam, 9(1), 82–88.

Haar, T. (1986). Asas-asas dan susunan Hukum Adat, diterjemahkan oleh Soebekti Poesponoto. Jakarta.

Hadikusuma, H. (1991). Hukum Waris Indonesia Menurut Perundangan. Hukum Adat, Hukum Agama Hindu-Islam, Citra Aditya Bajti, Bandung.

Hasbullah, F. H. (2009). Hukum Kebendaan Perdata Hak Hak Yang Memberi Jaminan. Jilid.

Hoff, J. (2000). Undang-undang kepailitan di Indonesia (Indonesian bankupcty law), diterjemahkan oleh Kartini Muljadi. Tatanusa, Jakarta.

Indonesia, R. UU No.37 Tahun 2004 tentang Kepailitan dan Penundaan Kewajiban Pembayaran Utang (2004).

Munir, F. (2002). Hukum Pailit 1998 Dalam Teori dan Praktek. Bandung: Citra Aditya Bakti.

Pitlo, A. (1979). Hukum Waris Menurut Hukum Perdata Belanda, terjemah M. Isa Arief, Intermasa, Jakarta.

Putro, B. P. G. H. (1998). Kedudukan Bank Indonesia Dalam Menjamin Pembayaran L/C Yang Diterbitkan Oleh Bank-Bank Devisa. Program Pascasarjana UBAYA.

Ramulyo, M. I. (2004). Perbandingan hukum kewarisan Islam dengan kewarisan kitab undang-undang hukum perdata. Sinar Grafika.

Rodli, A. F., & Salim, F. (1999). Berguru kepada Bapak Bangsa. Gerakan Pemuda Ansor, Jakrta.

Sjahdeini, S. R. (2010). Hukum Kepailitan Memahami Undang-Undang No. 37 Tahun 2004 Tentang Kepailitan. Pustaka Utama Grafiti, Jakarta.

Soekanto, & Soekanto, S. (1996). Meninjau hukum adat Indonesia: suatu pengantar untuk mempel ajari hukum adat. RajaGrafindo Persada.

Sofwan, S. S. M. (1980). Hukum Jaminan di Indonesia. Pokokpokok Hukum Jaminan dan Jaminan Perorangan. Liberty, Yogyakarta.

Sulistyo, B. (2006). Metode penelitian. Jakarta: Wedatama Widya Sastra Dan Fakultas Ilmu Pengetahuan Budaya Universitas Indonesia.

van Apeldoorn, L. J., Sadino, O., & Supomo. (1978). Pengantar ilmu hukum. Pradnya Paramita.

Zainuddin, A. (2008). Pelaksanaan Hukum Waris di Indonesia. Sinar Grafika, Jakarta.

Zamroni., M. (2001). Tesis: Pertanggungjawaban dalam Pembiayaan Modal Ventura di Indonesia. Universitas Maarif Hasyim Latif.

Zamroni, M., & Kunaifi, A. (2016). Chief Election Law of Regional and Prevention of Corruption. In ADRI International Multidisciplinary Conference and Call for Paper (Vol. 1, p. 58).

Downloads

Published

2018-04-25