Peralihan Risiko terhadap Turunnya Harga Objek Gadai
DOI:
https://doi.org/10.55606/jurrish.v5i4.9571Keywords:
Depreciation, Pledge, Pledged Assets, Risk Transfer, Security LawAbstract
The shifting of risk due to the reduction in value of secured property is a legal matter that can influence the relationship between the party granting the pledge and the recipient of the pledge. A decrease in the worth of secured properties can occur due to market changes, damage to the property, or various economic conditions, potentially leading to financial losses for one party. This research seeks to investigate how responsibility for these risks is determined under Indonesian security regulations and the rules that govern pledge contracts. The research utilizes a legal normative methodology that analyzes statutes and literature. The results show that, generally, the responsibility for any decline in the financial value of pledged assets falls on the pledgor, unless such depreciation is due to the pledgee's negligence. Nevertheless, if the devaluation stems from the pledgee’s lack of care or negligence in protecting the pledged assets, the pledgee could be deemed legally accountable according to relevant laws. Therefore, applying the principles of caution, integrity, and legal assurance is crucial for maintaining a fair balance in the rights and duties of both parties.
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