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Anggraeny, I., Hidayah, N. P., Indri Hapsari, D. R., & Azizah, D. A. (2024). Problems and Settlement of Transfer of Accounts Receivable Through Cessie Against Bad Credit. KnE Social Sciences, 9(1), 738–742. https://doi.org/10.18502/kss.v8i21.14789

https://doi.org/10.18502/kss.v8i21.14789

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authors

  • Isdian Anggraeny

    Isdian Anggraeny

    Faculty of Law, University of Muhammadiyah Malang, East Java, Indonesia
  • Nur Putri Hidayah

    Nur Putri Hidayah

    Faculty of Law, University of Muhammadiyah Malang, East Java, Indonesia
  • Dwi Ratna Indri Hapsari

    Dwi Ratna Indri Hapsari

    Faculty of Law, University of Muhammadiyah Malang, East Java, Indonesia
  • Diva Ainunn Azizah

    Diva Ainunn Azizah

    Faculty of Law, University of Muhammadiyah Malang, East Java, Indonesia

Published Date

  • Jan 5, 2024

Problems and Settlement of Transfer of Accounts Receivable Through Cessie Against Bad Credit

KnE Social Sciences / 4th International Conference on Law Reform (4th INCLAR) / Pages 738–742

Abstract

Cessie is a method of solving loan problems for default debtors. Through Cessie there is a transfer of receivables originating from debtors to new creditors. However, the legal facts that occurred, in the process of implementing the Cessie also experienced legal problems. Therefore, this writing with an empirical juridical approach will identify other legal problems that arise in Cessie and analyze the legal settlement of Cessie problems that occur in state-owned banks. Based on the studies that have been done, it is concluded that the legal problems that occur are creditors who secretly transfer their receivables through a Cessie to other new creditors, even though this is normatively justified in Article 613 of the Civil Code. However, in fact, the debtor’s denial and non-approval often occur, causing new problems with new creditors. The settlement efforts made by BUMN Banks in this problem are by giving a warning letter to the debtor.


Keywords: Cessie, bad credit, accounts receivable

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