Itikad Baik Kreditur Dalam Menyimpan Sertifikat Tanah Sebagai Objek Jaminan Kredit
Abstract
One of the principles in contract law is principle of good intentions. The principle of good intentions in contract law is a doctrine that requires all parties involved in an agreement to act honestly, fairly, respect and obligations for each other. The good intentions of the creditor in keeping land certificate as the object of credit collateral with reference to Article 18 of Law Number 4 of 1996 concerning Mortgage Rights over Land and Objects Related to Land. However, negligence occurred on the part of creditor in saving collateral documents form of land certificates as loan collateral and this resulted in the collateral certificate being lost. Based on the decision of the Tangerang District Court, the actions committed by the creditor are categorized as an Unlawful Act (PMH) and can also be categorized as a breach of contract. This study used a normative juridical research type with a legislative and conceptual approach. The study aims to identify and explain the form of good intentions and the creditor’s responsibility for the loss of the debtor’s land certificate. The result of this research showed that the creditor’s good intentions includes actions to safeguard, store, and return the credit guarantee certificate in accordance with legal provisions and the principle of trust in contract law. If the creditor fails to safeguard the collateral certificate, it may give rise to legal liability. Therefore, it is important for financial institutions to implement strict operational standards in the management of collateral documents to protect the rights of debtors and maintain trust in the legal relationship of credit agreements.
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