CIDERA JANJI (WANPRESTASI) DALAM PERJANJIAN FIDUSIA BERDASARKAN PASAL 15 AYAT (3) UU NOMOR 42 TAHUN 1999 PASCA PUTUSAN MAHKAMAH KONSTITUSI NOMOR: 18/PUU-XVII/2019

Abstract

Verdict of Constitution Court Number 18/PUU-XVII/2019 makes a new reinterpretation to “breach of contract†or “default†based on article 15 paragraph (3) of Law Number 42 Year 1999 concerning Fidusiary Guarantee (hereinafter referred to “UU Nomor 42 Tahun 1999â€). Before the existence of this Constitution Court’s verdict, statement of “breach of contract†or “defaultâ€always be maked by creditor (as financing company) by his own opinion. This condition makes the creditor tend to act arbitrarily to the debtor which is in a weaker position.

After the existence of constitution court’s verdict number 18/PUU-XVII/2019, “breach of contract†or “default†of the debtor must be determined based on the agreement between creditor dan debtor or it can be determined based on particular legal action, that’s by litigation procedure on court institution. This makes kreditor unable to to act arbitrarily anymore in determining of the debtor’s default.