The Legal Standing of Third-Party Collateral Owners in Small Claims Proceedings (A Case Study of Decision No. 20/PDT.G.S/2024/PN JMB)

Raina Ardelia Haryadi, Rasheesa Ryash Raynee, Sarah Agnesya Putri Siahaan, Dwi Desi Yayi Tarina

Abstract


This study examines the legal standing of the collateral owner as a third party in the lawsuit and the legal consequences arising therefrom. This research is normative juridical research employing a statutory approach and a case approach. The results show that the third party, as the collateral owner, acts as the grantor of mortgage rights rather than as a debtor personally liable for the obligation. Abdul Gani, the holder of Certificate of Ownership (SHM) Number 1014/Sungai Putri, used his land as collateral for loans obtained by Erawati and Dadang Wirawan through the Deed of Granting Mortgage Rights (APHT) and the Certificate of Mortgage Rights. Under Article 8 of the Mortgage Rights Law, the grantor of mortgage rights need not be the actual debtor. Therefore, Abdul Gani retains his rights over the land and is positioned as Co-Defendant due to his legal interest in the object. The legal relationship between creditor and debtor differs from that between creditor and third party in matters of security. Erawati and Dadang Wirawan are personally liable for the debt, whereas Abdul Gani merely provides his property as collateral. When the debtors were declared in default (wanprestasi), the court ordered them to pay IDR 93,294,572 plus court costs, thereby triggering potential seizure and execution of the collateral once the judgment becomes legally binding.

Keywords


Mortgage Rights, Collateral Owner, Third Party, Default, Legal Protection

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DOI: https://doi.org/10.5281/zenodo.24166266

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