LEGAL ANALYSIS OF CRIMINAL ACTS OF EMBEZZLEMENT OF FIDUCIARY GUARANTEES BY DEBTORS IN CONSUMER FINANCING AGREEMENTS: Legal Analysis Of Criminal Acts Of Embezzlement Of Fiduciary Guarantees

Francisca Andriani Putro; R. Rahaditya

doi:10.22373/35495147

Authors

Francisca Andriani Putro Universitas Tarumanagara
R. Rahaditya Universitas Tarumanagara

DOI:

https://doi.org/10.22373/35495147

Keywords:

Creditor, Debitor, Embezzlement, Fiduciary Security, Law Enforcement

Abstract

This study aims to examine the effectiveness of law enforcement against the crime of fiduciary collateral embezzlement by debtors in consumer financing agreements based on Law No. 42 of 1999 on Fiduciary Security and Supreme Court Decision No. 419K/Pid.Sus/2021. Using a normative juridical method with statute, conceptual, and case approaches, the research finds that law enforcement remains ineffective due to the disharmony between Article 36 of the Fiduciary Law and Article 372 of the Criminal Code, resulting in differing criminal sanctions. Judicial disparities indicate weak legal protection for creditors, particularly in the imposition of disproportionate sentences relative to the severity of the offense. Meanwhile, low public legal awareness and limited understanding of fiduciary obligations exacerbate the problem. Therefore, reformulation of criminal provisions under the Fiduciary Law, strengthening of notary responsibilities in the registration process, and improved professionalism among law enforcement officers are necessary to achieve a fair and legally certain fiduciary system in Indonesia.

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LEGAL ANALYSIS OF CRIMINAL ACTS OF EMBEZZLEMENT OF FIDUCIARY GUARANTEES BY DEBTORS IN CONSUMER FINANCING AGREEMENTS