{"id":4751,"date":"2025-05-09T00:34:31","date_gmt":"2025-05-08T17:34:31","guid":{"rendered":"https:\/\/papinkapost.id\/?p=4751"},"modified":"2025-05-09T00:34:31","modified_gmt":"2025-05-08T17:34:31","slug":"dinamika-kepailitan-keuntungan-bagi-debitur-atau-kreditur","status":"publish","type":"post","link":"https:\/\/papinkapost.id\/?p=4751","title":{"rendered":"Dinamika Kepailitan: Keuntungan bagi Debitur atau Kreditur"},"content":{"rendered":"<p><span style=\"color: #0000ff;\">Opini<\/span><\/p>\n<p><span style=\"color: #0000ff;\">Oleh: Shinta Anugrah (Mahasiswa Fakultas Hukum UBB)\u00a0<\/span><\/p>\n<p><a href=\"http:\/\/papinkapost.id\"><strong>PAPINKAPOST.ID<\/strong><\/a> &#8211; Kepailitan merupakan kondisi hukum di mana seorang debitur dinyatakan tidak mampu membayar utang-utangnya yang telah jatuh tempo dan dapat ditagih, sehingga diperlukan proses hukum untuk menyelesaikan kewajiban tersebut secara adil terhadap seluruh kreditur. Dalam praktiknya, kepailitan bukan hanya soal ketidakmampuan finansial, tetapi juga merupakan mekanisme perlindungan hukum baik bagi debitur maupun para kreditur.<\/p>\n<p>Proses kepailitan di Indonesia kerap dipandang sebagai instrumen hukum yang adil untuk menyelesaikan sengketa utang-piutang. Namun, dalam praktiknya, banyak yang mempertanyakan: siapa sebenarnya yang lebih diuntungkan\u2014debitur atau kreditur?<\/p>\n<p>Melalui undang-undang yang berlaku di Indonesia, negara Indonesia sejauh ini masih mencoba menyeimbangkan kepentingan ekonomi dan keadilan sosial dengan memberikan kepastian hukum dalam proses kepailitan. Namun dalam praktiknya, masih banyak tantangan, seperti proses yang berlarut-larut, penyalahgunaan proses kepailitan sebagai alat tekanan bisnis, serta keterbatasan sumber daya pengadilan niaga.<\/p>\n<p>Secara normatif, hukum kepailitan bertujuan untuk memberikan kepastian hukum dan perlindungan bagi kedua belah pihak. Kreditur berhak mendapatkan pelunasan utang melalui likuidasi aset, sementara debitur dapat memperoleh kepastian hukum atas penyelesaian kewajibannya. Namun, dalam kenyataannya, proses pailit seringkali dimanfaatkan oleh pihak-pihak tertentu untuk meraih keuntungan strategis, bahkan manipulatif.<\/p>\n<p>Tidak jarang debitur justru lebih diuntungkan karena adanya penundaan kewajiban pembayaran dan kesempatan untuk melakukan restrukturisasi melalui PKPU (Penundaan Kewajiban Pembayaran Utang). Beberapa bahkan diduga sengaja memanfaatkan proses pailit sebagai taktik untuk menghindari kewajiban atau menunda tekanan dari kreditur. Di sisi lain, kreditur kerap menjadi korban sistem yang lamban dan berbelit-belit, dengan nilai pelunasan yang jauh dari utang sebenarnya, apalagi jika aset yang disita tidak mencukupi atau nilainya merosot.<\/p>\n<p>Lemahnya pengawasan, konflik kepentingan dalam kurator, dan celah dalam Undang-Undang Kepailitan menambah kompleksitas persoalan ini. Proses hukum yang seharusnya menjadi jalan terakhir dan adil, kadang justru menciptakan ketidakpastian baru dalam dunia usaha.<\/p>\n<p>Sudah saatnya instrumen hukum kepailitan direformasi, agar tidak lagi menjadi \u201cperang akal\u201d antara debitur dan kreditur, melainkan menjadi mekanisme penyelesaian yang transparan, cepat, dan berkeadilan. Jika tidak, hukum pailit akan terus menjadi alat permainan bisnis, bukan pelindung keadilan ekonomi. (*)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Opini Oleh: Shinta Anugrah (Mahasiswa Fakultas Hukum UBB)\u00a0 PAPINKAPOST.ID &#8211; Kepailitan merupakan kondisi hukum di&#8230;<\/p>\n","protected":false},"author":5,"featured_media":4752,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"kia_subtitle":"","footnotes":""},"categories":[542,319,6],"tags":[],"newstopic":[],"class_list":["post-4751","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-advertorial","category-ekonomi","category-politik"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Dinamika Kepailitan: Keuntungan bagi Debitur atau Kreditur - Media Informasi Bangka Belitung<\/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:\/\/papinkapost.id\/?p=4751\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Dinamika Kepailitan: Keuntungan bagi Debitur atau Kreditur - 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