PENYELESAIAN PENGALIHAN OBJEK JAMINAN FIDUSIA TANPA PERSETUJUAN PIHAK BANK DI PD BPR BANK JOGJA.

Fiduciary is one of the guarantees that are provide to the society, because the object of the guarantees can be use by others parties that one the debitor it’s self. Based on article 23 point (2) in law no 42 of 1999 about Fiduciary, this regulation determine that the guarantees object can’t be changed. But in the reality the guarantee of fiduciary has weakness, for the example to changed or to transfer the object of guarantee without permissions for the bank, the main of this regulation is to protect or to avoid for the party to changed the object of guarantee. The purpose of the research is to find the solutions of the case transfered the guarantee object without permit from bank officer in the PD. BPR Bank Jogja. This research using method qualitative, the data retival with interview for the respondents is the employees of PD. BPR Bank Jogja it self. The result of this research, PD. BPR Bank Jogja solve this problem using or refer to article 1131 in civil code, the bank sell the others object of debitor to replace they debt to bank.