KABUPATEN BEKASI – Inforayanews.co.id, – Setelah Presiden Joko Widodo menyerukan penertiban pinjol ilegal, Menteri Koordinator Politik Hukum dan Keamanan Mahfud MD bicara keras soal pinjaman online (pinjol) ilegal. Mahfud MD menegaskan mereka yang sudah menjadi korban pinjol ilegal tidak perlu membayar utangnya dan lebih menariknya lagi dikatakan Jika ada persoalan atau diteror lantaran utang pinjol ilegal tidak dibayar, maka harus segera melapor ke polisi terdekat dan polisi akan memberikan perlindungan.

Ada dua alasan yang mendasari Mahfud MD meminta korban pinjol ilegal tidak usah bayar utang mereka. Pertama, dari sudut hukum perdata pinjol ilegal itu adalah tidak sah. Karena tidak memenuhi syarat maupun syarat subjektif dan objektif seperti diatur dalam hukum perdata. Dua syarat objektif tidak terpenuhi, dua syarat subjektifnya tidak terpenuhi.

Kedua, dari sudut hukum pidana, Polri diminta proaktif dalam mengantisipasi tindakan pinjol ilegal yang melakukan ancaman terhadap masyarakat akibat dari ekses dari pinjaman.

Awak Media mencoba menanyakan hal tersebut kepada praktisi hukum Ulung Purnama,SH,MH yang didampingi oleh Libet Astoyo,SH dan Nurholis Majid,SH. di kantornya yang beralamat di Ruko Cortes Jababeka, Jumat (22/10/2021), terkait seruan dari Menkopolhukam Mahdud MD tersebut, Disampaikan oleh bang Ulung sapaan akrabnya, mengatakan, “Yang disampaikan oleh Menkopolhukam terkait sudut pandang hukum perdata tentang syarat-syarat Sahnya Perjanjian agar perjanjian menjadi sah dan mengikat para pihak. Pasal 1320 KUH Perdata menyebutkan adanya 4 (empat ) syarat sahnya suatu perjanjian, yakni:
1. Adanya kata sepakat bagi mereka yang mengikatkan dirinya;
2. Kecakapan para pihak untuk membuat suatu perikatan;
3. Suatu hal tertentu; dan
4. Suatu sebab (causa) yang halal.

Persyaratan yang pertama dan kedua disebut syarat subjektif karena berkenaan dengan subjek perjanjian. Sedangkan, persyaratan yang ketiga dan keempat berkenan dengan objek perjanjian dinamakan syarat objektif.

Perbedaan kedua persyaratan tersebut dikaitkan pula dengan masalah batal demi hukumnya (nieteg atau null and ab initio) dan dapat dibatalkannya (vernietigbaar = voidable) suatu perjanjian.

Apabila syarat objektif dalam perjanjian tidak terpenuhi maka Perjanjian tersebut batal demi hukum atau perjanjian yang sejak semula sudah batal, hukum menganggap perjanjian tersebut tidak pernah ada. Apabila syarat subjektif tidak terpenuhi maka Perjanjian tersebut dapat dibatalkan atau sepanjang perjanjian tersebut belum atau tidak dibatalkan pengadilan, maka perjanjian yang bersangkutan masih terus berlaku .

Itulah 4 syarat sahnya suatu perjanjian/kontrak berdasarkan Pasal 1320 KUH Perdata. Dan suatu perjanjian atau perikatan memiliki kekuatan hukum jika sudah memenuhi persyaratan-persyaratan tersebut.
Terkait sudut pandang pidana apa yang disampaikan oleh Mahfud MD tersebut dalam hal cara melakukan penagihan kepada peminjam pinjol ilegal melakukan cara-cara kekerasan,ancaman dan paksaan termasuk menagih kepada teman-teman peminjam yang tentu saja merupakan perbuatan melawan hukum dan melanggar hukum pidana.

Setelah Menkopolhukkam menyerukan hal tersebut Kepala Satgas Waspada Investasi (SWI) Otoritas Jasa Keuangan (OJK) Tongam L. Tobing menyampaikan hal yang sama.

Bang Ulung menambahkan, “Terhadap seruan tersebut tentu saja jangan sampai hanya karena perintah Presiden Joko Widodo semata, namun harus pula dibarengi dengan perangkat hukum yang memadai agar praktek pinjol ilegal dapat diatur”.

Selain itu Ulung Purnama,SH,MH juga menambahkan, “Pengaturan hukum oleh OJK harus secara menyeluruh khususnya dalam praktek pengenaan pinjaman berbunga dan denda tinggi termasuk penagihan dengan menggunakan cara kekerasan ataupun ancaman seperti terhadap praktek bank keliling, bank emok dan sejenisnya yang mengenakan bunga tinggi dan denda tinggi termasuk penagihan dengan cara melawan hukum yang meresahkan masyarakat dibuatkan aturan permanen yang mengatur secara jelas bukan hanya karena momen viral saat ini, supaya hukum dibuat secara berkelanjutan dan bermanfaat bukan karena momen saja”.(red)

608 thoughts on “Ulung Purnama, SH.,MH. : OJK Harus Membuat Aturan Hukum Bersifat Menyeluruh Bukan Hanya Pinjol Tetapi Terhadap Praktek Perbankkan Bukan Bank Yang Dilakukan Perorangan/Lembaga Ilegal”
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