IMPLIKASI KEPPRES NO.12 TAHUN 2020 PADA PERUSAHAAN PEMBIAYAAN

Refleksi Hukum: Jurnal Ilmu Hukum

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Title IMPLIKASI KEPPRES NO.12 TAHUN 2020 PADA PERUSAHAAN PEMBIAYAAN
IMPLIKASI KEPPRES NO.12 TAHUN 2020 PADA PERUSAHAAN PEMBIAYAAN
 
Creator Siombo, Marhaeni Ria
Waluyo Adi, Emmanuel Ariananto
 
Description The agreement contains the rights and obligations of the parties in carrying out their respective achievements, if they do not make an achievement then it is considered to have committed default. But there is an excuse as regulated in article 1245 of the Civil Code. The Covid-19 outbreak is designated as a non-natural national disaster (Presidential Decree No.12 of 2020), has a very broad impact including the scope of financing companies which resulted in many debtors experiencing defaults. Presidential Decree No.12 of 2020 is very relevant to article 1244 and article 1245 of the Civil Code. Therefore it is not a category of default. However, good faith (Article 1338 paragraph 3) and the principle of appropriateness (Article 1339) of the Civil Code must underlie the application of Article 1245. The impact of the stipulation of Presidential Decree No. 12 of 2020 is that debtors who failed to pay should receive relaxation, payment relief by exempting from interest payment, as stated in Article 1245 of the Civil Code.
Perjanjian berisi tentang hak dan kewajiban para pihak dalam melakukan prestasinya masing-masing.  Jika salah satu pihak tidak melakukan prestasi maka dianggap melakukan wanprestasi. Namun, ada excuse sebagaimana diatur dalam Pasal 1245 KUHPerdata.  Wabah Covid-19 ditetapkan sebagai bencana nasional non-alam sebagaimana ditetapkan dalam Keppres No. 12 Tahun 2020, sangat berdampak luas termasuk lingkup perusahaan pembiayaan, yang mengakibatkan banyak debitur mengalami gagal bayar. Subtansi pengaturan dalam Keppres No.12 Tahun 2020 relevan dengan Pasal 1244 dan Pasal 1245 KUHPerdata. Sehingga diketahui bahwa debitur yang mengalami gagal bayar karena kondisi yang disebabkan oleh Covid-19 bukan merupakan wanprestasi. Namun demikian, itikad baik (Pasal 1338 ayat 3) dan prinsip kepatutan (Pasal 1339) KUHPerdata, harus mendasari penerapan Pasal 1245. Implikasi ditetapkannya Keppres No. 12 Tahun 2020 sudah selayaknya para debitur yang gagal bayar mendapatkan relaksasi, keringanan pembayaran dengan membebaskan dari pembayaran bunga, sebagaimana bunyi pasal 1245 KUHPerdata. 
 
Publisher Universitas Kristen Satya Wacana
 
Date 2020-10-30
 
Type info:eu-repo/semantics/article
info:eu-repo/semantics/publishedVersion
Peer-reviewed Article
 
Format application/pdf
 
Identifier https://ejournal.uksw.edu/refleksihukum/article/view/3668
10.24246/jrh.2020.v5.i1.p85-104
 
Source Refleksi Hukum: Jurnal Ilmu Hukum; Vol 5 No 1 (2020): Refleksi Hukum: Jurnal Ilmu Hukum; 85-104
2541-5417
2541-4984
10.24246/jrh.2020.v5.i1
 
Language ind
 
Relation https://ejournal.uksw.edu/refleksihukum/article/view/3668/1577
 
Rights Copyright (c) 2020 Refleksi Hukum: Jurnal Ilmu Hukum
http://creativecommons.org/licenses/by/4.0
 

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