{"id":5746,"date":"2025-09-24T02:23:19","date_gmt":"2025-09-24T02:23:19","guid":{"rendered":"https:\/\/yaktibhi.or.id\/?p=5746"},"modified":"2025-09-24T02:30:45","modified_gmt":"2025-09-24T02:30:45","slug":"hentikan-arogansi-debt-collector-dan-kreditur-nakal","status":"publish","type":"post","link":"https:\/\/yaktibhi.or.id\/en\/hentikan-arogansi-debt-collector-dan-kreditur-nakal\/","title":{"rendered":"Hentikan Arogansi Debt Collector dan Kreditur Nakal"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img data-opt-id=1502045671  fetchpriority=\"high\" decoding=\"async\" width=\"700\" height=\"400\" src=\"https:\/\/mlevtydp0q2k.i.optimole.com\/cb:92pz.919\/w:700\/h:400\/q:mauto\/f:best\/https:\/\/yaktibhi.or.id\/wp-content\/uploads\/2025\/09\/Debt-Collektor-dan-Kreditue.webp\" alt=\"\" class=\"wp-image-5748\"\/><\/figure>\n\n\n\n<p class=\"animated backInDown slower\"><strong><span class=\"highlight\">Opini Investigatif<\/span><\/strong> | Di jalanan kota besar hingga pelosok desa, masih sering terdengar cerita tentang debt collector yang merampas kendaraan roda empat dengan cara-cara premanisme. Mobil debitur dihentikan di tengah jalan, kunci dipaksa dirampas, bahkan tidak jarang disertai intimidasi. Ironisnya, praktik ini masih berjalan meski Mahkamah Konstitusi lewat Putusan No. 18\/PUU-XVII\/2019 sudah menegaskan: penarikan objek fidusia tidak boleh dilakukan sepihak.<\/p>\n\n\n\n<p class=\"animated backInUp slower\">Pertanyaannya: mengapa aturan tegas masih bisa dilangkahi? Jawabannya jelas: ada pembiaran sistematis dari kreditur yang berlindung di balik \u201ctangan kotor\u201d debt collector.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\ud83d\uded1 Debt Collector: Premanisme Berkedok Penagihan<\/p>\n\n\n\n<p class=\"animated fadeInDown slower\">Mari bicara fakta. Banyak debt collector beroperasi tanpa sertifikasi resmi, tidak membawa dokumen fidusia, bahkan sering tak tahu isi perjanjian kredit yang mereka eksekusi. Mereka hanya dibekali perintah: tarik kendaraan, dengan segala cara.<\/p>\n\n\n\n<p class=\"animated fadeInLeft slower\">\u201cPenarikan kendaraan tanpa sertifikat fidusia itu perampasan. Kalau dilakukan dengan ancaman atau kekerasan, ya sudah masuk ranah pidana. Jangan lagi dibungkus seolah-olah itu penagihan resmi,\u201d tegas Prof. Andi Wijaya, pakar hukum pidana dari Universitas Hasanuddin.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n<div class=\"wp-block-image is-style-rounded animated bounce\">\n<figure class=\"alignright size-full\"><img data-opt-id=933853538  fetchpriority=\"high\" decoding=\"async\" width=\"1580\" height=\"1212\" src=\"https:\/\/mlevtydp0q2k.i.optimole.com\/cb:92pz.919\/w:auto\/h:auto\/q:mauto\/f:best\/https:\/\/yaktibhi.or.id\/wp-content\/uploads\/2025\/09\/DSC_1669-copy.webp\" alt=\"\" class=\"wp-image-5747\" srcset=\"https:\/\/mlevtydp0q2k.i.optimole.com\/cb:92pz.919\/w:1407\/h:1080\/q:mauto\/f:best\/https:\/\/yaktibhi.or.id\/wp-content\/uploads\/2025\/09\/DSC_1669-copy.webp 1580w, https:\/\/mlevtydp0q2k.i.optimole.com\/cb:92pz.919\/w:1408\/h:1080\/q:mauto\/f:best\/https:\/\/yaktibhi.or.id\/wp-content\/uploads\/2025\/09\/DSC_1669-copy.webp 1536w, https:\/\/mlevtydp0q2k.i.optimole.com\/cb:92pz.919\/w:16\/h:12\/q:mauto\/f:best\/dpr:2\/https:\/\/yaktibhi.or.id\/wp-content\/uploads\/2025\/09\/DSC_1669-copy.webp 16w\" sizes=\"(max-width: 750px) 100vw, 750px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"animated bounce slow\">\u2696\ufe0f Kreditur: Dalang yang Sering Luput dari Jerat<\/p>\n\n\n\n<p>Lebih berbahaya lagi adalah sikap kreditur. Banyak perusahaan pembiayaan lepas tangan, seolah tidak tahu apa yang dilakukan mitra penagihan mereka. Padahal, merekalah pemberi perintah.<\/p>\n\n\n\n<p class=\"animated flipInX slower\">\u201cPerusahaan pembiayaan adalah pihak yang paling bertanggung jawab. Mereka tidak bisa cuci tangan dan menyalahkan debt collector. Kalau ada penarikan ilegal, itu artinya sistem mereka yang bobrok,\u201d ujar Tulus Abadi, Ketua Yayasan Lembaga Konsumen Indonesia (YLKI).<\/p>\n\n\n\n<p>Jika perusahaan menarik kendaraan tanpa sertifikat fidusia, itu jelas perbuatan melawan hukum (Pasal 1365 KUHPerdata). Jika mereka tetap menginstruksikan penarikan paksa meski debitur menolak, mereka sedang menabrak putusan MK yang berlaku mengikat.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\ud83d\udd0e Debitur: Korban yang Terjepit<\/p>\n\n\n\n<p class=\"animated rollIn slower\">Di satu sisi, debitur menanggung kewajiban membayar cicilan. Di sisi lain, haknya untuk diperlakukan sesuai hukum justru diinjak-injak. Banyak yang tidak tahu bahwa mereka berhak menolak penarikan jika debt collector tidak menunjukkan sertifikat fidusia atau bertindak kasar.<\/p>\n\n\n\n<p class=\"animated backInDown slow\">\u201cSering kali masyarakat takut melawan. Mereka tidak sadar bahwa hukum sebenarnya melindungi mereka. Ketidaktahuan inilah yang dimanfaatkan oleh oknum penagih,\u201d jelas Ratna Dewi, aktivis perlindungan konsumen.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p>\ud83d\udea8 Saatnya Tegas!<\/p>\n\n\n\n<p>Opini ini ingin menegaskan: sanksi harus ditegakkan, bukan sekadar retorika.<\/p>\n\n\n\n<p>Debt collector ilegal harus diperlakukan sebagai pelaku kriminal, bukan sekadar \u201cpetugas lapangan.\u201d<\/p>\n\n\n\n<p>Kreditur yang memerintahkan praktik ilegal harus ikut diseret, tidak bisa berlindung di balik outsourcing.<\/p>\n\n\n\n<p>OJK harus turun tangan lebih keras, bukan hanya dengan teguran administratif, tetapi dengan pencabutan izin bagi perusahaan yang membiarkan pelanggaran.<\/p>\n\n\n\n<p>(Bang Ali)<\/p>","protected":false},"excerpt":{"rendered":"<p>Opini Investigatif | Di jalanan kota besar hingga pelosok desa, masih sering terdengar cerita tentang debt collector yang merampas kendaraan roda empat dengan cara-cara premanisme. Mobil debitur dihentikan di tengah jalan, kunci dipaksa dirampas, bahkan tidak jarang disertai intimidasi. Ironisnya, praktik ini masih berjalan meski Mahkamah Konstitusi lewat Putusan No. [&hellip;]<\/p>","protected":false},"author":1,"featured_media":5748,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_themeisle_gutenberg_block_has_review":false,"footnotes":""},"categories":[52],"tags":[],"class_list":["post-5746","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.7 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Hentikan Arogansi Debt Collector dan Kreditur Nakal - Yayasan Kajian TI &amp; Bantuan Hukum Indonesia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/yaktibhi.or.id\/en\/hentikan-arogansi-debt-collector-dan-kreditur-nakal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hentikan Arogansi Debt Collector dan Kreditur Nakal\" \/>\n<meta property=\"og:description\" content=\"Opini Investigatif | Di jalanan kota besar hingga pelosok desa, masih sering terdengar cerita tentang debt collector yang merampas kendaraan roda empat dengan cara-cara premanisme. 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