JAMINAN KEPASTIAN HUKUM ATAS KELEBIHAN HASIL LELANG BARANG JAMINAN
DOI:
https://doi.org/10.24269/ls.v8i3.10375Abstract
This study concludes that increasing customer awareness of their rights and improving the valuation process is crucial for enhancing the auction system's transparency and fairness. PT Pegadaian is recommended to strengthen its customer education efforts, collaborate with independent appraisers, and review its policies to ensure better customer rights protection. This research aims to explore the legal certainty regarding the surplus from the sale of collateral auctioned at PT Pegadaian, using a qualitative approach. The data collection methods include literature review, interviews with auction creditors, direct observation of the auction process, and document analysis. The thematic analysis approach is used to analyze the data. Data from interviews, observations, and document analysis are organized and categorized into relevant themes. The research reveals that PT Pegadaian implements an internal policy that ensures the return of the auction surplus to customers after the loan principal and administrative fees are settled. However, many customers are unaware of their rights concerning this auction surplus. Additionally, challenges arise in the auction announcement process and the appraisal of collateral, which often does not reflect market prices. The study concludes that increasing customer awareness of their rights and improving the appraisal process is essential for enhancing the transparency and fairness of the auction system.
References
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Boettke, P. J., Candela, R. A., & Jacobsen, P. J. (2023). Economic calculation and transaction costs: The case of the airline oversales auction system. Southern Economic Journal, 89(3), 708–731. https://doi.org/10.1002/soej.12620
Cabri, G., Gherardini, L., Montangero, M., & Muzzini, F. (2021). About auction strategies for intersection management when human-driven and autonomous vehicles coexist. Multimedia Tools and Applications, 80, 15921–15936. https://doi.org/10.1007/s11042-020-10222-y
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Nababan, R. (2021). Perlindungan Hukum Terhadap Konsumen Akibat Penjualan Objek Jaminan Fidusia Dalam Perjanjian Pembiayaan. Visi Sosial Humaniora, 2(2), 204–224. https://doi.org/10.51622/vsh.v2i2.476
Panggabean, F. A., Hutapea, D. R., Siahaan, M. S. M., & Sinaga, J. B. L. A. B. (2022). Pengaruh Komunikasi, Motivasi, Disiplin Kerja, Pengembangan Karir Dan Lingkungan Kerja Terhadap Kinerja Karyawan Pada Pt Pegadaian (Persero) Medan Area-1. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(2), 913–933. https://doi.org/10.31955/mea.v6i2.2098
Paul, J., Thibaut, M., & Mathieu, R. (2021). Optimal auction duration: A price formation viewpoint. Operations Research, 69(6), 1734–1745. https://doi.org/10.48550/arXiv.1906.01713
Paulina, Y., Putri, A., Karuniahaj, S., Arighi, H., & Zaki, M. (2022). Tanggung jawab pihak pt. Pegadaian (persero)terhadap hilangnya barang gadai di pt. Pegadaian syariah cabang blimbing kota malang: responsibility of pt. Pegadaian (persero) against loss of postages in pt. Pegadaian shari’ah pawnshop blimbing branch malang. Qawãnïn Journal of Economic Syaria Law, 6(1), 72–86. https://doi.org/10.30762/qawanin.v6i1.3
Peterson, J. S. (2019). Presenting a qualitative study: A reviewer’s perspective. Gifted Child Quarterly, 63(3), 147–158. https://doi.org/10.1177/0016986219844789
Putri, Z. A. (2023). Perlindungan hukum bagi nasabah dalam perjanjian gadai di pt. Pegadaian (persero) upc sukaria kota makassar. Universitas Muslim Indonesia.
Quraisy, M., Abdury, M., & Saleh, A. (2023). Pandangan Hukum Islam Berdasarkan Fatwa DSN-MUI No. 25/DSN-MUI/III/2002 terhadap Pelaksanaan Pelelangan Benda Jaminan di Pegadaian Syariah. Aktiva : Jurnal Manajemen Dan Bisnis, 3(2), 64–67. https://doi.org/10.56393/aktiva.v2i3.1356
Renwarin, M., Asmaniar, & Sharon, G. (2023). Perlindungan Hukum Bagi Pemberi Gadai Jika Terjadi Wanprestasi Dalam Perjanjian Gadai. Krisna Law : Jurnal Mahasiswa Fakultas Hukum Universitas Krisnadwipayana, 5(1), 1–15. https://doi.org/10.37893/krisnalaw.v5i1.195
Santoso, C. E. E. (2013). Perputaran modal kerja dan perputaran piutang pengaruhnya terhadap profitabilitas pada PT. Pegadaian (PERSERO). Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 1(4). https://doi.org/10.35794/emba.1.4.2013.2963
Saputri, Y. (2015). Implementasi Pelelangan Benda Jaminan Gadai Pada Pegadaian Syari’ah Bandar Lampung Tahun 2013. Lampung: STAIN Jurai Siwo.
Sogn-Grundvåg, G., & Zhang, D. (2023). Auction versus direct sale: the effect of buyers and sellers on prices. European Review of Agricultural Economics, 50(1), 84–114. https://doi.org/10.1093/erae/jbab051
Susanto, M. J. (2023). Tinjauan Yuridis Pelaksanaan Akad Rahn Tanah Pada PT. Pegadaian Syariah Unit RS Suwondo Pati. Universitas Islam Sultan Agung Semarang.
Syaflina, F. (2019). Perlindungan Hukum Terhadap Nasabah Pegadaian Berdasarkan Perjanjian Utang Piutang Dengan Jaminan Gadai (Studi Di Pegadaian Unit Pelayanan Cabang Marpoyan). Universitas Islam Riau.
Wicaksana, A., & Rachman, T. (2018). An efficient, open-bid procurement auction for small-scale electricity markets. In Angewandte Chemie International Edition (Vol. 3, Issue 1). https://doi.org/10.1016/j.apenergy.2022.118867
Wongsamerchue, T., & Leelasantitham, A. (2022). An electronic double auction of prepaid electricity trading using blockchain technology. Journal of Mobile Multimedia, 18(6), 1829–1850. https://doi.org/10.13052/jmm1550-4646.18616
Xiong, W., & Xiong, L. (2021). Anti-collusion data auction mechanism based on smart contract. Information Sciences, 555, 386–409. https://doi.org/10.1016/j.ins.2020.10.053
Ye, Z., Chen, C.-L., Weng, W., Sun, H., Tsaur, W.-J., & Deng, Y.-Y. (2023). An anonymous and fair auction system based on blockchain. The Journal of Supercomputing, 79(13), 13909–13951. https://doi.org/10.21203/rs.3.rs-2064583/v1
Arisanti, K. D., Santoso, A., & Wahyuni, S. (2019). Pengaruh Motivasi Kerja Dan Disiplin Kerja Terhadap Kinerja Karyawan Pada PT Pegadaian (Persero) Cabang Nganjuk. Jimek: Jurnal Ilmiah Mahasiswa Ekonomi, 2(1), 101–118. https://doi.org/10.30737/jimek.v2i1.427
Asy’ari, Q., Istiqwamah, I., & Muarrofah, Z. (2022). Implementasi Gadai Emas Dengan Sistem Syariah. Jurnal Ngejha, 1(2), 99–104. https://doi.org/10.32806/ngejha.v1i2.188
Balqist, A., & Dilaga, H. Z. A. (2022). Perlindungan Hukum Bagi Pemberi Gadai Dalam Transaksi Lelang Emas Objek Gadai. Private Law, 2(3), 549–557. https://journal.unram.ac.id/index.php/privatelaw/article/view/1533
Benzaghta, M. A., Elwalda, A., Mousa, M. M., Erkan, I., & Rahman, M. (2021). SWOT analysis applications: An integrative literature review. Journal of Global Business Insights, 6(1), 54–72. https://doi.org/10.5038/2640-6489.6.1.1148
Bichler, M., Grimm, V., Kretschmer, S., & Sutterer, P. (2020). Market design for renewable energy auctions: An analysis of alternative auction formats. Energy Economics, 92, 104904. https://doi.org/10.1016/j.eneco.2020.104904
Boettke, P. J., Candela, R. A., & Jacobsen, P. J. (2023). Economic calculation and transaction costs: The case of the airline oversales auction system. Southern Economic Journal, 89(3), 708–731. https://doi.org/10.1002/soej.12620
Cabri, G., Gherardini, L., Montangero, M., & Muzzini, F. (2021). About auction strategies for intersection management when human-driven and autonomous vehicles coexist. Multimedia Tools and Applications, 80, 15921–15936. https://doi.org/10.1007/s11042-020-10222-y
Del RÃo, P., & Kiefer, C. P. (2021). Analysing patterns and trends in auctions for renewable electricity. Energy for Sustainable Development, 62, 195–213. https://doi.org/10.1016/j.esd.2021.03.002
Fleck, A.-K., & Anatolitis, V. (2023). Achieving the objectives of renewable energy policy–Insights from renewable energy auction design in Europe. Energy Policy, 173, 113357. https://doi.org/10.1016/j.enpol.2022.113357
Grashof, K., Berkhout, V., Cernusko, R., & Pfennig, M. (2020). Long on promises, short on delivery? Insights from the first two years of onshore wind auctions in Germany. Energy Policy, 140, 111240. https://doi.org/10.1016/j.enpol.2020.111240
Gsänger, S., & Karl, T. (2020). Community wind under the auctions model: A critical appraisal. In Accelerating the Transition to a 100% Renewable Energy Era (pp. 233–257). Springer. https://doi.org/:10.1007/978-3-030-40738-4_11
Herdiansyah, H. (2013). Wawancara, observasi, dan focus groups: Sebagai instrumen penggalian data kualitatif (1st ed.). Jakarta: Raja Grafindo Persada.
Heriyanti, & Antong, A. (2023). Konsep Harga Pokok Barang Lelang Jaminan Dalam Perspektif Syariah: (Studi Kasus pada PT. Pegadaian Syariah Cabang Luwu). Jurnal Ekonomi Kreatif Indonesia, 1(2), 94–114. https://doi.org/10.61896/jeki.v1i2.10
Hortaçsu, A., & Perrigne, I. (2021). Empirical perspectives on auctions. In Handbook of Industrial Organization (Vol. 5, Issue 1, pp. 81–175). Elsevier. https://doi.org/10.1016/bs.hesind.2021.11.011
Jowsey, T., Deng, C., & Weller, J. (2021). General-purpose thematic analysis: a useful qualitative method for anaesthesia research. BJA Education, 21(12), 472–478. https://www.bjaed.org/article/S2058-5349(21)00094-9/fulltext
Moeloeng, L. J. (2019). Metodologi penelitian kualitatif (revisi). Bandung: PT Remaja Rosdakarya. https://opac.perpusnas.go.id/DetailOpac.aspx?id=1133305
Nababan, R. (2021). Perlindungan Hukum Terhadap Konsumen Akibat Penjualan Objek Jaminan Fidusia Dalam Perjanjian Pembiayaan. Visi Sosial Humaniora, 2(2), 204–224. https://doi.org/10.51622/vsh.v2i2.476
Panggabean, F. A., Hutapea, D. R., Siahaan, M. S. M., & Sinaga, J. B. L. A. B. (2022). Pengaruh Komunikasi, Motivasi, Disiplin Kerja, Pengembangan Karir Dan Lingkungan Kerja Terhadap Kinerja Karyawan Pada Pt Pegadaian (Persero) Medan Area-1. Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA), 6(2), 913–933. https://doi.org/10.31955/mea.v6i2.2098
Paul, J., Thibaut, M., & Mathieu, R. (2021). Optimal auction duration: A price formation viewpoint. Operations Research, 69(6), 1734–1745. https://doi.org/10.48550/arXiv.1906.01713
Paulina, Y., Putri, A., Karuniahaj, S., Arighi, H., & Zaki, M. (2022). Tanggung jawab pihak pt. Pegadaian (persero)terhadap hilangnya barang gadai di pt. Pegadaian syariah cabang blimbing kota malang: responsibility of pt. Pegadaian (persero) against loss of postages in pt. Pegadaian shari’ah pawnshop blimbing branch malang. Qawãnïn Journal of Economic Syaria Law, 6(1), 72–86. https://doi.org/10.30762/qawanin.v6i1.3
Peterson, J. S. (2019). Presenting a qualitative study: A reviewer’s perspective. Gifted Child Quarterly, 63(3), 147–158. https://doi.org/10.1177/0016986219844789
Putri, Z. A. (2023). Perlindungan hukum bagi nasabah dalam perjanjian gadai di pt. Pegadaian (persero) upc sukaria kota makassar. Universitas Muslim Indonesia.
Quraisy, M., Abdury, M., & Saleh, A. (2023). Pandangan Hukum Islam Berdasarkan Fatwa DSN-MUI No. 25/DSN-MUI/III/2002 terhadap Pelaksanaan Pelelangan Benda Jaminan di Pegadaian Syariah. Aktiva : Jurnal Manajemen Dan Bisnis, 3(2), 64–67. https://doi.org/10.56393/aktiva.v2i3.1356
Renwarin, M., Asmaniar, & Sharon, G. (2023). Perlindungan Hukum Bagi Pemberi Gadai Jika Terjadi Wanprestasi Dalam Perjanjian Gadai. Krisna Law : Jurnal Mahasiswa Fakultas Hukum Universitas Krisnadwipayana, 5(1), 1–15. https://doi.org/10.37893/krisnalaw.v5i1.195
Santoso, C. E. E. (2013). Perputaran modal kerja dan perputaran piutang pengaruhnya terhadap profitabilitas pada PT. Pegadaian (PERSERO). Jurnal EMBA: Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 1(4). https://doi.org/10.35794/emba.1.4.2013.2963
Saputri, Y. (2015). Implementasi Pelelangan Benda Jaminan Gadai Pada Pegadaian Syari’ah Bandar Lampung Tahun 2013. Lampung: STAIN Jurai Siwo.
Sogn-Grundvåg, G., & Zhang, D. (2023). Auction versus direct sale: the effect of buyers and sellers on prices. European Review of Agricultural Economics, 50(1), 84–114. https://doi.org/10.1093/erae/jbab051
Susanto, M. J. (2023). Tinjauan Yuridis Pelaksanaan Akad Rahn Tanah Pada PT. Pegadaian Syariah Unit RS Suwondo Pati. Universitas Islam Sultan Agung Semarang.
Syaflina, F. (2019). Perlindungan Hukum Terhadap Nasabah Pegadaian Berdasarkan Perjanjian Utang Piutang Dengan Jaminan Gadai (Studi Di Pegadaian Unit Pelayanan Cabang Marpoyan). Universitas Islam Riau.
Wicaksana, A., & Rachman, T. (2018). An efficient, open-bid procurement auction for small-scale electricity markets. In Angewandte Chemie International Edition (Vol. 3, Issue 1). https://doi.org/10.1016/j.apenergy.2022.118867
Wongsamerchue, T., & Leelasantitham, A. (2022). An electronic double auction of prepaid electricity trading using blockchain technology. Journal of Mobile Multimedia, 18(6), 1829–1850. https://doi.org/10.13052/jmm1550-4646.18616
Xiong, W., & Xiong, L. (2021). Anti-collusion data auction mechanism based on smart contract. Information Sciences, 555, 386–409. https://doi.org/10.1016/j.ins.2020.10.053
Ye, Z., Chen, C.-L., Weng, W., Sun, H., Tsaur, W.-J., & Deng, Y.-Y. (2023). An anonymous and fair auction system based on blockchain. The Journal of Supercomputing, 79(13), 13909–13951. https://doi.org/10.21203/rs.3.rs-2064583/v1
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2024-10-30
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Respati, F., & Noor, E. Z. (2024). JAMINAN KEPASTIAN HUKUM ATAS KELEBIHAN HASIL LELANG BARANG JAMINAN. Legal Standing : Jurnal Ilmu Hukum, 8(3), 727–741. https://doi.org/10.24269/ls.v8i3.10375
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