{"id":3850,"date":"2025-11-25T09:24:31","date_gmt":"2025-11-25T02:24:31","guid":{"rendered":"https:\/\/onberita.com\/?p=3850"},"modified":"2025-11-25T09:24:34","modified_gmt":"2025-11-25T02:24:34","slug":"mendesak-pembaruan-regulasi-jaminan-fidusia-untuk-mengakhiri-kekacauan-penegakan-hukum","status":"publish","type":"post","link":"https:\/\/onberita.com\/index.php\/2025\/11\/25\/mendesak-pembaruan-regulasi-jaminan-fidusia-untuk-mengakhiri-kekacauan-penegakan-hukum\/","title":{"rendered":"Mendesak Pembaruan Regulasi Jaminan Fidusia untuk Mengakhiri Kekacauan Penegakan Hukum"},"content":{"rendered":"\n

OPINI: Mendesak Pembaruan Regulasi Jaminan Fidusia untuk Mengakhiri Kekacauan Penegakan Hukum<\/strong><\/p>\n\n\n\n

Oleh: Gregorio Buan Reko
Universitas Nahdlatul Ulama Indonesia
Di tengah geliat ekonomi nasional yang ditopang oleh sektor pembiayaan, kita dihadapkan pada satu fakta yang ironis: regulasi tentang jaminan fidusia\u2014yang menjadi tulang punggung skema kredit modern\u2014masih penuh lubang hukum, kabur, dan kerap menimbulkan ketidakadilan bagi masyarakat. Padahal, hampir seluruh pembiayaan kendaraan, modal usaha kecil, hingga kredit perangkat elektronik menggunakan skema fidusia. Artinya, jutaan warga Indonesia berada dalam ruang hukum yang rapuh.
Undang-Undang Nomor 42 Tahun 1999 tentang Jaminan Fidusia (UUJF), yang dulu diharapkan menjadi solusi atas kebutuhan pembiayaan tanpa harus melepaskan penguasaan barang, kini justru menjadi salah satu sumber persoalan paling besar dalam praktik hukum perdata dan pembiayaan modern. Pasal-pasalnya yang tumpang tindih serta kekaburan norma membuat implementasi di lapangan sering kali jauh dari asas keadilan, kepastian, dan kemanfaatan hukum.
Salah satu persoalan mendasar adalah dualisme kepemilikan: hak milik dialihkan secara hukum kepada kreditor, tetapi objek pembiayaan tetap dikuasai debitor. Konsekuensinya, terjadi situasi ambigu\u2014debitornya pemilik, tapi bukan sepenuhnya pemilik; kreditornya berhak, tapi tak sepenuhnya menguasai. Ketidakjelasan ini memicu benturan kepentingan dan membuka celah penyalahgunaan wewenang, termasuk kriminalisasi debitor ketika terjadi wanprestasi, padahal hakikatnya itu murni hubungan perdata.
Sebagai negara hukum, Indonesia tidak boleh membiarkan masyarakat berhadapan dengan regulasi yang setengah matang. Dalam tinjauan akademik, teori kepastian hukum ala Lon Fuller menegaskan bahwa norma hukum harus jelas, konsisten, dan dapat diprediksi penerapannya. Ketika norma kabur, aparat penegak hukum memiliki ruang diskresi yang terlalu luas\u2014muncul praktik penarikan paksa, intimidasi, hingga penyalahgunaan aturan yang merugikan debitor.
Di sisi lain, kreditor pun berada dalam situasi hukum yang tidak ideal. Banyak objek fidusia yang tidak didaftarkan, sehingga kedudukan kreditor melemah menjadi hanya kreditor konkuren. Ini membuat risiko pembiayaan meningkat dan memperburuk iklim usaha. Padahal, sektor pembiayaan adalah darah bagi ekonomi nasional; tanpa kepastian hukum, kepercayaan investor dan lembaga keuangan bisa menurun drastis.
Maka, pembaruan UUJF bukan hanya penting\u2014tetapi mendesak. Negara harus hadir untuk memastikan bahwa jaminan fidusia tidak lagi menimbulkan ketidakpastian, konflik norma, atau ketidakadilan. Harmonisasi dengan UU Perbankan, UU Hak Tanggungan, KUHPerdata, serta putusan Mahkamah Konstitusi harus menjadi prioritas.
Lebih jauh, pembaruan regulasi harus mengedepankan perlindungan terhadap masyarakat luas, terutama pelaku usaha kecil, pekerja, dan konsumen yang mengandalkan pembiayaan untuk meningkatkan taraf hidup. Jaminan fidusia semestinya menjadi alat pemberdayaan ekonomi, bukan alat represi atau sumber kriminalisasi.
Dalam konteks ini, perbaikan sistem pendaftaran, transparansi biaya, edukasi hukum kepada debitor, serta pengawasan ketat terhadap lembaga pembiayaan harus menjadi agenda nasional. Jika regulasi diperbaiki dan ditegakkan dengan benar, jaminan fidusia bisa menjadi instrumen modern yang selaras dengan prinsip keadilan sosial dalam konstitusi.
Indonesia tidak kekurangan ahli hukum, tidak kekurangan akademisi, dan tidak kekurangan momentum untuk berubah. Yang kita butuhkan adalah keberanian politik dan kesadaran bahwa hukum yang baik bukan sekadar rumusan pasal, tetapi alat untuk menyejahterakan dan melindungi rakyat.<\/p>\n","protected":false},"excerpt":{"rendered":"

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