Vol. 1 No. 2 (2024): Volume 1 Number 2 June 2024
Articles

Keabsahan Surat Peringatan sebagai Pengganti Akta Pengakuan Utang dalam Lelang Eksekusi Tanggungan

PDF
  • Muhamad Adji Rahardian Utama,
  • Dr. Nur Hakim, S.H., M.H.,
  • Dr. Roni Pandiangan, S.H., M.H.
Muhamad Adji Rahardian Utama
Universitas Jayabaya
Dr. Nur Hakim, S.H., M.H.
Fakultas Hukum, Universitas Jayabaya, Jakarta, Indonesia
Bio
Dr. Roni Pandiangan, S.H., M.H.
Fakultas Hukum, Universitas Jayabaya, Jakarta, Indonesia
Bio

Published 2025-05-09

Keywords

  • Warning Letter,
  • Debt Acknowledgment Deed,
  • Execution Auction,
  • Mortgage Right

Copyright (c) 2025 Jimly Legal Yustisia Journal

Creative Commons License

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

How to Cite

Keabsahan Surat Peringatan sebagai Pengganti Akta Pengakuan Utang dalam Lelang Eksekusi Tanggungan. (2025). JIMLY LEGAL YUSTISIA JOURNAL, 1(2), 41-60. https://jslgjournal.com/jly/article/view/10

Abstract

The process of foreclosure under Indonesian law generally requires a debt acknowledgment deed as valid evidence of legal relationship between debtor and creditor. However, current practices show that warning letters are sometimes used as an alternative to the debt acknowledgment deed in some foreclosure cases. The issue raised in this study concerns the validity of using Warning Letter as substitution for Debt Acknowledgment Deed in the execution auction process of collateral rights in Indonesia. The Debt Acknowledgment Deed holds an important position in Indonesian law as a valid legal instrument that facilitates the execution against debtors who fail to repay their debts. Meanwhile, the Warning Letter is often used as an initial step in debt collection, but it does not carry the same legal force as the Debt Acknowledgment Deed. The purpose of this writing is to analyze the validity of using the Warning Letter as a substitute for the Debt Acknowledgment Deed in the execution auction procedure of collateral rights. The method used in this research is normative approach by analyzing the applicable regulations, jurisprudence, and relevant legal doctrines. The results of this research show that, although the Warning Letter plays an important role in the early stages of debt collection, it cannot replace the legal status of the Debt Acknowledgment Deed in the execution auction of collateral rights. Therefore, further regulation is needed regarding the use of the Warning Letter in the execution auction process of collateral rights to provide legal certainty for both parties, creditors and debtors.

PDF

References

  1. Adjie, Habib. Relasi Hak Tanggungan, Lelang Dan Cessie. Yogyakarta: Semesta Media, 2023.
  2. Arini, Diah dan Anggoro, Teddy. “Keabsahan Hukum Grosse Akta Pengakuan hutang Pada Akad Pembiayaan Perbankan Syariah.” Jurnal USM Law Review 4, no.2 (2021): 486-487.
  3. Basuki, Rahmad dan Remaja, I Nyoman Gede. “Pelaksanaan Lelang Eksekusi Hak Tanggungan Berdasarkan Pasal 6 Undang-Undang Nomor 4 Tahun 1996 Di Kantor Pelayanan Kekayaan Negara dan Lelang Singaraja.” Jurnal Kertha Widya 8, no.2 (2020): 41.
  4. Chandra, Isabella Dwinantya dan Lukman, Arsin. “Kekuatan Mengikat Perjanjian hutang Pihutang Dengan Jaminan Hak Atas Tanah Berdasarkan Akta Pengakuan hutang Notariil (Analisis Terhadap Putusan Pengadilan Negeri Kupang Nomor: 303/PDT.G/2020/PN.KPG).” Jurnal Acta Diurnal 6, no.1 (2022): 68.
  5. Dewi, Fara, “Perbandingan Sistem Hukum Indonesia Dengan Negara Lain: Apa Bedanya?”, TambahPinter.com, 7 Februari 2024, https://tambahpinter.com/perbandingan-sistem-hukum-indonesia-dengan-negara-lain/?utm_source=chatgpt.com (diakses 7 Maret 2025).
  6. Direktorat Jenderal Kekayaan Negara, “Kerja Sama Bermanfaat Bagi BRI dan DJKN di Kalimantan Barat”, Kementerian Keuangan (22 Juni 2016), online: https://www.djkn.kemenkeu.go.id/berita/baca/10685/Kerja-Sama-Bermanfaat-Bagi-BRI-dan-DJKN-di-Kalimantan-Barat.html (diakses 7 Maret 2025).
  7. Jufri, Supriadi, Borahima, Anwar dan Said, Nurfaidah, “Pelaksanaan Lelang Eksekusi Hak Tanggungan Melalui Balai Lelang” Jurnal Dunia Hukum 4, no.2 (2020): 98-99.
  8. Kumala, Yudi Cahya. Buku Lelang Indonesia. Serba Serbi Lelang Pelaksanaannya Di Indonesia). Jakarta: Universitas Jayabaya, 2020.
  9. Kurnaliah, Kurnaliah dan Aminah, Aminah. "Analisis Yuridis Kekuatan Hukum Akta Pengakuan hutang (Studi Putusan MA No. 04/PDT.G/2017/PN.Btg).” Jurnal Notarius 17, no.3 (2024): 2285.
  10. Kuswono, Anggie Saphira.“Kedudukan Surat Pengakuan hutang Yang Di Buat DI Bawah Tangan Dalam Pembuktian Kasus Wanprestasi.” Jurnal Badamai Law 8, no.2 (2023): 453.
  11. Lavinia, Amelia Citra dan Nurudin, Agus. “Pelaksanaan Lelang Eksekusi Obyek Hak Tanggungan Dengan Perantaraan Balai Lelang Swasta.” Jurnal Notarius 12, no.1 (2019): 527.
  12. Mahendra, Rifki Khrisna dan Turisno, Bambang Eko. “Pelaksanaan Eksekusi Hak Tanggungan Elektronik.” Jurnal Notarius 17, no.2 (2024): 1183.
  13. Matompo, Osgar S. Pengantar Hukum Perdata. Jakarta: Setara Press, 2017.
  14. Miftahuddin, Achmad Nur, dan Karim, Kairuddin. “Kajian Yuridis Terhadap Wanprestasi Perjanjian hutang Pihutang.” Jurnal Litigasi Amsir Special Issue (2023): 175.
  15. Nugrohandhini, Dwi dan Mulyati, Etty. “Akibat Hukum Gugatan dan Perlawanan Terhadap Lelang Eksekusi Hak Tanggungan.” Jurnal Bina Mulia Hukum 4, no.1 (2019): 39.
  16. Pittaloka, Elza Sylvania dan Pranoto. “Permasalahan Dalam Pelaksanaan Eksekusi Grosse Akta Pengakuan hutang.” Jurnal Privat Law 4, no.1 (2016): 81-82.
  17. Putra, Firdian Aditya dan Muslim, Ade Imam. “Pengaruh Tindakan Penagihan Pajak Dengan Surat Teguran Dan Surat Paksa Terhadap Pencarian Tunggakan Pajak.” Jurnal Review Applied Accounting Research 2, no.2 (2022): 195-196.
  18. Riftiasari, Dinar dan Sugiarti. “Analysis Of Warning Letter And Distress Warrant Against The Disbursement Of Tax Arrears At The North Jakarta Middle Tax Office.” Jurnal Accounting for Sustainable Society (JASS) 1, N0.2 (2019): 160-161.
  19. Salim, HS. Pengantar Hukum Perdata Tertulis (BW) Rev. 3. Jakarta: Sinar Grafika, 2005.
  20. Sidabariba, Burhan. Lelang Eksekusi Hak Tanggungan, Meniscayakan Perlindungan. Depok: Papas Sinar Sinanti, 2019.
  21. Sidariba, Burhan. Hak Preference Pemegang Hak Tanggungan. Depok: Papas Sinar Sinanti, 2023.
  22. Simanjuntak, P.N.H. Hukum Perdata Indonesia. Jakarta: Prenada Media, 2023.
  23. Siregar, Elvia Puspita, Danil, Elwi dan Fendri, Azmi. “Kedudukan Hukum Akta Pengakuan hutang Yang Dibuat Dihadapan Notaris (Studi Kasus Perkara Mahkamah Agung Nomor: 2956/K/Pdt/2013).” Jurnal of UNES Law Review 6, No.2 (2023): 6947.
  24. Slamet, Sri Redjeki dan Olivia, Fitria. "Eksekusi Grosse Akta Pengakuan hutang Dengan Titel Eksekutorial.” Jurnal Lex Jurnalica 18, No.2 (2021): 146.
  25. Subekti dan Tjitrosudibio, R. Hukum Perikatan: Buku III Kitab Undang-Undang Hukum Perdata. Jakarta: Pradnya Paramita, 1991.
  26. Suharto, R. “Lelang Eksekusi Hak Tanggungan.” Jurnal Law, Development and Justice Review 2, No.2 (2019): 186.
  27. Supramono, Gatot. Perjanjian hutang Pihutang. Jakarta: Prenada Media, 2014.
  28. Undang-Undang No. 4 Tahun 1996 tentang Hak Tanggungan
  29. Widyawati, Christine, Pranoto dan Hartiwiningsih. “Perbandingan Eksekusi Hak Tanggungan Melalui Pengadilan Negeri Dengan Parate Eksekusi Hak Tanggungan Melalui Kantor Kekayaan Negara Dan Lelang Di Surakarta.” Jurnal Repertorium 3, No.2 (2016): 60-61.