Comparison of Personal Guarantees and Collateral in Bank Credit Agreements and Leasing Financing
DOI:
https://doi.org/10.24843/KP.2025.v47.i03.p05Kata Kunci:
Personal Guarantee, Collateral Bank Credit Agreement, Leasing Financing, Effectiveness of CollateralAbstrak
This study aims to analyse the effectiveness of guarantees in bank credit agreements and leasing financing, specifically comparing personal guarantees and collateral. Using a normative research method, this study investigates the regulations governing both types of guarantees from the perspective of Indonesian positive law. The objective of this study is to provide a better understanding of when and why each type of collateral should be used, as well as to identify challenges in its application. Through literature studies, analysis of legislation, and a review of court decisions, this study finds that collateral offers greater legal certainty and facilitates execution, especially when the collateral has a stable market value. Conversely, personal guarantees provide flexibility in collateralisation but are highly dependent on the guarantor's financial capacity and good faith. The results of this study are expected to provide recommendations for legal practice in the field of financing and assist creditors in selecting the optimal type of collateral for their situation.
Unduhan
Referensi
Books
I. Gusti Ayu Made Agung et al., Ekonomi Keuangan dan Perbankan (Jakarta: PT. Sonpedia Publishing Indonesia, 2025)
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Journals
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Putri Avi Avivah and Eddie Imanuel Doloksaribu, “Analisis Yuridis Penggunaan Aset Personal Guarantee Dalam Melunasi Utang Pailit,” Gloria Justitia 1, no. 2 (2021): 134–54
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Laws and Regulations
Civil Code (KUH Perdata).
Law No. 4 of 1996 concerning Mortgage Rights.
Law No. 42 of 1999 concerning Fiduciary Guarantees.
Law No. 37 of 2004 concerning Bankruptcy and Suspension of Debt Payment Obligations.
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