<> "The repository administrator has not yet configured an RDF license."^^ . <> . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA)"^^ . "Financing with fiduciary collateral is an essential instrument in the operations of\r\nIslamic microfinance institutions (BMT). However, in practice, problems often arise\r\nwhen debtors transfer fiduciary collateral objects to third parties without the\r\ncreditor’s consent. Such actions not only violate contractual clauses but also\r\ncontravene Article 36 of Law No. 42 of 1999 concerning Fiduciary Security. This\r\nsituation creates real losses for BMTs, which must deal not only with defaulting\r\ndebtors but also with third parties who feel disadvantaged. Therefore, this research\r\nfocuses on examining legal protection for BMTs as creditors and the settlement\r\nmechanisms when fiduciary collateral is unlawfully transferred by debtors.\r\nThis study employs an empirical juridical approach with a descriptiveanalytical\r\nnature. Primary data were obtained through interviews with BMT\r\nofficials, while secondary data were collected from literature, journals, books, and\r\nrelevant legislation. The research applies Moch. Isnaeni’s theory of legal\r\nprotection, which distinguishes between internal legal protection—realized through\r\ncontractual clauses—and external legal protection—ensured by statutory\r\nprovisions and legal institutions. Within this framework, the analysis centers on\r\nhow contractual clauses safeguard creditors and what legal measures are taken\r\nwhen violations occur.\r\nThe findings indicate that internal legal protection for BMTs is embodied in\r\nclauses regarding repayment obligations, the submission of vehicle registration\r\ncertificates (BPKB) as collateral, and provisions concerning default and dispute\r\nresolution. Meanwhile, external legal protection is realized through breach of\r\ncontract lawsuits in court and the application of the Fiduciary Security Law as a\r\nlegal foundation. Field cases reveal that settlements are often achieved through\r\ndeliberation facilitated by BMTs, even when involving third parties who purchased\r\ncollateral without legal ownership documents. Although such resolutions do not\r\nalways fully restore the creditor’s rights, they effectively minimize conflicts and\r\nuphold justice in line with Islamic principles. Thus, the combination of internal and\r\nexternal protections is crucial to safeguarding BMT interests while balancing the\r\nrights of debtors and third parties."^^ . "2025-10-24" . . . . "UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . "FAKULTAS SYARI’AH DAN HUKUM, UIN SUNAN KALIJAGA YOGYAKARTA"^^ . . . . . . . . . "NIM.: 21103040067"^^ . "Agastya Bisma Prasetyo"^^ . "NIM.: 21103040067 Agastya Bisma Prasetyo"^^ . . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Text)"^^ . . . . . "21103040067_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf"^^ . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Text)"^^ . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "lightbox.jpg"^^ . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "preview.jpg"^^ . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "medium.jpg"^^ . . . "PERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA) (Other)"^^ . . . . . . "small.jpg"^^ . . "HTML Summary of #74519 \n\nPERLINDUNGAN HUKUM BAGI KREDITUR ATAS DIALIHKANNYA OBJEK JAMINAN FIDUSIA OLEH DEBITUR (STUDI KASUS DI BMT ARTHA SEJAHTERA DAN BMT BANGUN RAKYAT SEJAHTERA)\n\n" . "text/html" . . . "340.1 Perlindungan Hukum" . .