Dinamika Sosial dalam Praktik Fidusia: Studi Kasus Kredit BPKB di BRI Moyudan Sleman
Article Sidebar
Main Article Content
Abstract
This study explores the socio-legal dynamics of credit practices using vehicle ownership documents (BPKB) as collateral at BRI Cabang Moyudan, Sleman. While legally regulated under the Fiduciary Guarantee Law, the actual practice is embedded in local socio-economic realities, often creating a gap between legal formalism and the lived experience of debtors. The study specifically aims to uncover how these credit procedures operate in practice, and how borrowers understand and respond to them within a social context. Using a qualitative approach, data were collected through in-depth interviews with five bank officers, one notary, and ten debtors, complemented by direct field observations and documentation review. The analysis applied a socio-legal framework to examine the interaction between legal structures and social behaviour in the credit process. The findings reveal that while credit procedures at BRI Cabang Moyudan, Sleman, adhere to formal legal standards including fiduciary registration and credit approval mechanisms most debtors exhibit low legal literacy regarding their rights and obligations, particularly concerning fiduciary execution. Patterns of wanprestasi (default) are influenced by economic pressures, inadequate communication, and social perceptions of shame. Debtors tend to rely on trust and informal narratives, resulting in limited legal awareness and vulnerability during contract enforcement. This study's novelty lies in its socio-legal integration of legal and social dynamics in fiduciary credit practices. While limited by a single rural bank branch and small sample size affecting generalizability, it underscores the urgent need for participatory legal education and social approaches in credit risk management. Practically, findings suggest a more equitable financing system by urging banks to simplify contract language, enhance debtor education on rights and obligations, and foster more humane loan negotiation. Future research should explore alternative fiduciary models sensitive to local values and legal comprehension.
Article Details
Issue
Section
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License.
How to Cite
References
Abas, M., Amalia, M., Malik, R., Aziz, A., & Salam, S. (2023). Sosiologi hukum: Pengantar teori-teori hukum dalam ruang sosial. PT. Sonpedia Publishing Indonesia.
Ali, Z. (2023). Sosiologi hukum. Sinar Grafika.
Apriantono, A. (2025). Analisis Hak Konsumen Kredit Untuk Mengakhiri Perjanjian Kredit Terlebih Dahulu. Universitas Islam Sultan Agung Semarang.
Aristanto, E. (2020). Peranan Strategis Bank Pemerintah (BUMN) dalam Pemberdayaan Pelaku Usaha Mikro dan Kecil. LPPM Universitas Merdeka Malang.
Bouzen, R., & Ashibly, A. (2021). Pelaksanaan Eksekusi Jaminan Fidusia Terhadap Debitur Yang Wanprestasi Setelah Keluarnya Putusan Mahkamah Konstitusi Nomor 18/Puu-Xvii/2019. Jurnal Gagasan Hukum, 3(02), 137–148.
Chaeroni, A., & Mustafida, L. (2021). Penyelesaian Perjanjian Pemberian Kredit Dengan Jaminan Kepemilikan Kendaraan Bermotor Di Perseroan Terbatas Bank Perkreditan Rakyat Universitas Gadjah Mada Yogyakarta. Fortiori Law Journal, 1(02), 1–22.
Cornée, S., & Szafarz, A. (2013). Vive la Différence: Social Banks and Reciprocity in the Credit Market. Journal of Business Ethics, 125, 361–380. https://doi.org/10.1007/s10551-013-1922-9
Diva, R., Nabila, A. N., Wulansari, T., & Indriani, M. (2025). Filsafat Hukum dalam Perspektif Roscoe Pound. Das Sollen: Jurnal Kajian Kontemporer Hukum Dan Masyarakat, 4(01).
Fahrika, A. I., Salam, H., & Buhasyim, M. A. (2020). Effect of Human Development Index (HDI), Unemployment, and Investment Realization toward Poverty in South Sulawesi-Indonesia. The International Journal of Social Sciences World, 2(02), 110–116. https://doi.org/10.5281/zenodo.4080749
Hamka, H. (2023). Pemidanaan Pengalihan Objek Jaminan Fidusia Tanpa Persetujuan Penerima Fidusia. Philosophia Law Review, 3(1), 1–13.
Herlina, E., & Santi, S. (2018). Perlindungan Hukum Terhadap Konsumen Pada Perjanjian Pembiayaan dengan Fidusia Tidak Terdaftar. Jurnal Hukum Ius Quia Iustum, 25(2), 277–299.
Judijanto, L., Ohyver, D. A., Kusumastuti, S. Y., & Masri, M. (2025). Literasi Keuangan: Teori dan Implementasi. PT. Sonpedia Publishing Indonesia.
Junaedi, B., Tjoanda, M., & Berlianty, T. (2022). Perlindungan Hukum pada Debitur atas Penarikan Objek Jaminan Fidusia melalui Parate Eksekusi. PATTIMURA Legal Journal, 1(2), 124–132.
Karim, K., & Tajibu, M. J. (2021). The influence of emotional motives on the decision to use a credit card. Hasanuddin Economics and Business Review. https://doi.org/10.26487/hebr.v5i2.2951
Lestari, A. B., & Kusuma, R. (2022). Perlindungan Hukum Terhadap Nasabah Dalam Perjanjian Penawaran Produk Asuransi Bank Melalui Telemarketing (Studi PT. BNI Life). Private Law, 2(3), 686–696.
Li, Z., Chatterjee, S., & Moorman, D. C. (2024). Exploring the interplay of materialism, financial socialization, financial capability, and credit card debt. International Journal of Bank Marketing. https://doi.org/10.1108/ijbm-02-2024-0106
Miles, M. B., Huberman, A. M., & Saldana, J. (2014). Qualitative Data Analysis: A Methods Sourcebook (3rd ed.). Sage Publications.
Mulisa, N., Lutfi, M., & Yusnandi, Y. (2023). Perbuatan Melawan Hukum (Onrechmatige Daad) Tidak Diberikannya Buku Pemilik Kendaraan Bermotor Setelah Pelunasan Perjanjian Kredit. Viva Themis: Jurnal Ilmu Hukum Dan Humaniora, 6(2), 178–195.
Nasokha, & Noor, G. V. (2023). Eksekusi Jaminan Fidusia Akibat Debitur Wanprestasi. Damera Press.
Noor, A. (2023). Socio-Legal Research: Integration of Normative and Empirical Juridical Research in Legal Research. Jurnal Ilmiah Dunia Hukum. https://doi.org/10.56444/jidh.v7i2.3154
Rahma, R. (2025). Wanprestasi pada jual beli karak Perspektif Sosiologi Hukum Islam (Studi kasus di Desa Sumberbendo Kecamatan Pare Kabupaten Kediri). IAIN KEDIRI.
Sabri, S., Febrianti, E., Asnah, A., & Al-Amin, A.-A. (2023). Konsep Rasional Ekonomi Konvensional Dan Syariah Melalui Berbagai Perspektif. Innovative: Journal Of Social Science Research, 3(2), 11047–11058.
Santoso, W. P. C., & Dilaga, Z. A. (2025). Implikasi Jaminan Fidusia Bpkb Kendaraan Bermotor Yang Tidak Terdaftar Dalam Perjanjan Kredit Di Pt. Bank Perkreditan Rakyat Segara Anak Kencana. Private Law, 5(1), 39–50.
Sukmadinata, N. S. (2011). Metode penelitian kualitatif. In Bandung. ID: PT. Remaja Rosdakarya.
Sundari, N., Luthfiyah, F. Z., & Rahmawati, W. (2024). Peran Hukum Sebagai Alat Rekayasa Masyarakat Menurut Roscoe Pound. Das Sollen: Jurnal Kajian Kontemporer Hukum Dan Masyarakat, 2(01).
Wulandari, N., & Budiwati, S. (2021). Kredit dan Jaminan: Tinjauan Yuridis Perjanjian Kredit Dengan Jaminan Buku Pemilikan Kendaraan Bermotor (BPKB)(Studi di Koperasi Simpan Pinjam Sae Ngawi). Universitas Muhammadiyah Surakarta.