PERLINDUNGAN HUKUM DEBITUR DALAM PERJANJIAN UTANG PIUTANG DENGAN JAMINAN

(Studi Kasus Penetapan Pengadilan No 94/Pdt.G/2018/PN Kln di Klaten)

Abstrak

Penelitian ini membahas mengenai strategi penyelesaian sengketa utang piutang dan terkait perlindungan hukum bagi debitur yang mengalami kendala dalam pembayaran utang dalam kasus gugatan perdata No. 94/Pdt.G/2018/PN Kln. Penelitian ini menggunakan jenis penelitian hukum normatif dengan pendekatan kasus (case approach) melalui analisis Putusan Nomor 94/Pdt.G/2018 serta pendekatan perundang-undangan (statute approach) berdasarkan KUHPerdata dan peraturan terkait. Hasil akhir perkara ini menunjukkan bahwa sengketa berhasil diselesaikan melalui mediasi. Kasus tersebut memberikan implikasi bahwa kemenangan hukum tidak selalu harus diperoleh melalui putusan hakim, tetapi dapat dicapai melalui kesepakatan damai yang memberikan manfaat nyata bagi klien. Mediasi membuktikan bahwa penyelesaian sengketa secara musyawarah sering kali lebih cepat, efisien, dan menjaga hubungan baik antar pihak.

This research discusses the dispute resolution strategy in debt and receivable agreements as well as the legal protection for debtors experiencing difficulties in fulfilling debt payments in civil lawsuit case Number 94/Pdt.G/2018/PN Kln. This research uses a normative legal research method with a case approach through the analysis of Decision Number 94/Pdt.G/2018, as well as a statutory approach based on the Indonesian Civil Code and related regulations. The final result of this case shows that the dispute was successfully resolved through mediation. The case implies that legal victory does not always have to be achieved through a judge’s decision, but can also be obtained through a peaceful settlement that provides real benefits to the client. Mediation proves that dispute resolution through deliberation is often faster, more efficient, and able to maintain good relations between the parties involved.