Bank Liability as Trustee in Banking Insolvency
DOI:
https://doi.org/10.26555/novelty.v10i2.a13769Keywords:
Banking, Legal Protection, Liability, Insolvency, Trustee agreementAbstract
Introduction to The Problem: A trustee agreement is an exclusive agreement in banking gives the bank the right and authority to manage the customer's assets as stated to the agreement The assets of trust assets are the property of the customer, the management of the assets must be separately carried out to implement the Prudential Principle and Pacta Sunt Servanda in banking contract.
Purpose/Objective Study: Research and analyze the legal consequences of the trustee agreement and analyze the bank liability towards the insolvency status to the trustee agreement.
Methodology/Approach: This Legal Research used normative positivism with the using of the Statute and Conceptual Approach. The Legal Research Sources divided into primary to the tertiary source.
Findings: The research shows that the Bank is only as the manager of the asset; therefore, every legal conduct shall have approval from the Settlor under the trustee agreement. It means, if the assets are included as insolvency assets, it is a violation of contract as well as law where the dispute settlement shall be taken into account.
Paper Type: This Research is Reseach Article completed by rules and regulations.
References
Abubakar, L., & Handayani, T. (2017). Perkembangan transaksi perbankan dan implikasinya terhadap pembaruan hukum perdata indonesia. Justicia Jurnal Hukum, 1(2), 241-266. http://dx.doi.org/10.30651/justitia.v1i2.1149
Angellie Siregar, M. G. J. (2016). Eksekusi jaminan dalam kepailitan pada kreditor separatis ketika ditangani oleh Kurator. Jurist-Diction Law Journal, 1(2), 599-608. Retrieved from https://e-journal.unair.ac.id/JD/article/view/11011/6237
Budhijana, B., & Nelmida. (2018). Analisis risiko kebangrutan pada perusahaan bank umum swasta nasional yang terdaftar di Bursa Efek Indonesia. Jurnal Akuntansi Keuangan Dan Bisnis, 11(1), 99–109. Retrieved from https://jurnal.pcr.ac.id/index.php/jakb/article/view/1618
Concessional Finance and Global Patnership. (2009). Trust fund at the World Bank : A guide for donors and partners. Concessional Finance and Global Patnership.
Cranton, R., & All, E. (2017). Principle of banking law. Oxford University Press.
Fuady, M. (2017). Hukum bisnis dalam teori dan praktek (3rd ed.). Yogyakarta: Aditya Bakti.
Ginting, R., Murniadi, C., Astiyah, S., Iskandar, D., Sitompul, Z., Wuryandani, G., … Primadhyta, S. (2013). Kodifikasi peraturan Bank Indonesia. Retrieved from https://www.bi.go.id/id/peraturan/kodifikasi/bank/Pages/1.3.5.2. Kegiatan Usaha Bank Berupa Penitipan dengan Pengelolaan (Trust).aspx
Hartana, A. (2016). Hukum Perjanjian: Dalam perspektif perjanjian karya Pengusahaan Pertambangan Batubara. Jurnal Komunikasi Hukum, 2(2), 147–281. http://dx.doi.org/10.23887/jkh.v2i2.8411
Hatrik, H. (2012). Pertanggungjawaban pidana korporasi sebagai subjek hukum artifisial. Unpublished Thesis. Universitas Brawijaya.
Hesti, S. (2016). Pertanggungjawaban pidana kurator berdasarkan prinsip independensi menurut hukum kepailitan. Yuridika, 31(3), 440-473. http://dx.doi.org/10.20473/ydk.v31i3.4794
Hukum Online. (2013). Sembilan bank siap jadi trustee. Retrieved February 2, 2019, from Hukum Online website: https://www.hukumonline.com/berita/baca/lt515ecca5e2652/sembilan-bank-siap-jadi-trustee/
Johanes, R. (2016). Kajian hukum terhadap likuidasi dan kepailitan bank berdasarkan Undang–Undang Nomor 10 Tahun 1998 tentang Perbankan. Lex et Societatis, 4(4), 54-62. Retrieved from https://ejournal.unsrat.ac.id/index.php/lexetsocietatis/article/view/11895/11484
Krismen, Y. (2014). Pertanggungjawaban korporasi dalam kejahatan ekonomi. Jurnal Ilmu Hukum, 4(1), 133–160. Retrieved from https://ejournal.unri.ac.id/index.php/JIH/article/view/2089
Lubis, M. F. R. (2018). Pertanggungjawaban direksi di suatu Perseroan Terbatas ketika terjadi kepailitan pada umumnya dan menurut doktrin hukum perusahaan & Undang- Undang No. 40 Tahun 2007. Jurnal Hukum Kaidah: Media Komunikasi dan Informasi Hukum dan Masyarakat, 17(2), 25-47. Retrieved from https://jurnal.uisu.ac.id/index.php/jhk/article/view/350
Mertokusumo, S. (2010). Mengenal hukum. Yogyakarta: Cahaya Atma Pustaka.
Nieuwenhuis, J. (n.d.). Hoofdstuken verbintenissenrecht (D. S. (Translator), Ed.). Surabaya.
Onakoya, A. B., & Olotu, A. E. (2017). Bankruptcy and insolvency: An exploration of relevant theories. International Journal of Economics and Financial Issues, 7(3), 706–712. Retrieved from https://dergipark.org.tr/en/pub/ijefi/issue/32021/354317
Ramadhani, A. S., & Lukviarman, N. (2009). Perbandingan analisis prediksi kebangkrutan menggunakan model altman pertama, altman revisi, dan altman modifikasi dengan ukuran dan umur perusahaan sebagai variabel penjelas. Jurnal Siasat Bisnis, 13(1), 15–28. Retrieved from https://journal.uii.ac.id/JSB/article/view/2011
Setiawan, M. R. (2017). Implementasi prinsip mengenal nasabah sebagai upaya pencegahan tindak pidana pencucian uang. Jurnal Diversi, 3(2), 139-156. https://doi.org/10.32503/diversi.v3i2.160
Saito, K., Hiyama, K., & Shiotani, K. (2018). International comparison of the BIS international banking statistic : Estimates of the positions excluding trustee business. Bank of Japan Review, E(2), 1-6. Retrieved from https://ideas.repec.org/p/boj/bojrev/rev18e02.html
Syamlan, Y. T. (2017). Does dual banking system in Indonesia differentiate investment account requirement? Tazkia Islamic Finance and Business Review, 11(1), 81–106. Retrieved from http://www.tifbr-tazkia.org/index.php/TIFBR/article/view/132
The World Bank. (2015). Operational manual bank procedures. The World Bank.
Usman, R. (2016). Kepailitan terhadap bank berdasarkan asas keseimbangan sebagai perwujudan perlindungan kepentingan nasabah penyimpan. Badamai Law Journal, 1(1), 141-158. Retrieved from https://studylibid.com/doc/1005088/kepailitan-terhadap-bank-berdasarkan-asas-keseimbangan-se.
Wafa, M. A. (2017). Hukum perbankan dalam sistem operasional bank Konvensional dan bank syariah. Kordinat, 16(95), 257–270. Retrieved from http://journal.uinjkt.ac.id/index.php/kordinat/article/view/6441
Wafiya. (2012). Perlindungan hukum bagi nasabah yang mengalami kerugian dalam transaksi perbankan melalui internet. Kanun Jurnal Ilmu Hukum, 14(1), 353-365. Retrieved from http://www.jurnal.unsyiah.ac.id/kanun/article/view/5929
Wahanu, P. H. (2015). Trust fund: Hukum internasional dan penerapannya. Majalah Compact, Desember(10), 27-29. Retrieved from http://birohukum.bappenas.go.id/data/data_artikel_jdih/Majalah%20Compact%20Dec%202015.pdf
Wiwoho, J. (2014). Peran Lembaga Keuangan Bank Dan Lembaga Keuangan Bukan Bank Dalam Memberikan Distribusi Keadilan Bagi Masyarakat. Masalah-Masalah Hukum, 43(1), 87–97. Retrieved from https://ejournal.undip.ac.id/index.php/mmh/article/view/9028/7333
Yudh, W. A. (2017). Perbuatan melanggar hukum sebagai sumber utang dalam Undang-Undang Nomor 37 Tahun 2004 tentang kepailitan dan penundaan kewajiban pembayaran utang. Rechtidee, 12(2), 209-222 Retrieved from https://journal.trunojoyo.ac.id/rechtidee/article/view/3339
