{"id":179,"date":"2024-06-20T12:52:39","date_gmt":"2024-06-20T05:52:39","guid":{"rendered":"https:\/\/docpie.lawsnote.com\/id\/blog\/?p=179"},"modified":"2024-06-21T09:46:19","modified_gmt":"2024-06-21T02:46:19","slug":"debit-and-credit","status":"publish","type":"post","link":"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/","title":{"rendered":"Cara Membuat Perjanjian Utang Piutang"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"179\" class=\"elementor elementor-179\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a3de51 e-flex e-con-boxed e-con e-parent\" data-id=\"8a3de51\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-82c46d7 elementor-widget elementor-widget-image\" data-id=\"82c46d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1-1024x576.png\" class=\"attachment-large size-large wp-image-181\" alt=\"Cara Membuat Perjanjian Utang Piutang\" srcset=\"https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1-1024x576.png 1024w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1-300x169.png 300w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1-768x432.png 768w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1-1536x864.png 1536w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/DocPie\u501f\u6b3e\u5951\u7d04_\u6587\u7ae0\u9996\u5716-1-2048x1152-1.png 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d629954 e-flex e-con-boxed e-con e-parent\" data-id=\"d629954\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8fe0c62 elementor-widget elementor-widget-text-editor\" data-id=\"8fe0c62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dalam hubungan bisnis atau kemitraan, mungkin ada saatnya anda diharuskan membagikan data, informasi atau material yang bersifat rahasia atau sensitif kepada pihak lain. Tentu saja, pemberian atau pembagian informasi rahasia tanpa perlindungan apa pun bisa menimbulkan kekhawatiran mengenai keamanan informasi. Pada saat seperti ini, anda perlu menggunakan\u00a0perjanjian kerahasiaan\u00a0atau\u00a0Non-Disclosure Agreement\u00a0(NDA). Pembahasan berikut akan menjelaskan apa itu\u00a0perjanjian kerahasiaan\u00a0serta isi penting yang harus dipahami para pengguna perjanjian tersebut.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3a53686 e-flex e-con-boxed e-con e-parent\" data-id=\"3a53686\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b82a498 elementor-widget elementor-widget-heading\" data-id=\"b82a498\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#1_Apa_itu_perjanjian_utang_piutang\" >1. Apa itu perjanjian utang piutang?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#2_Apakah_perjanjian_utang_piutang_harus_dibuat_tertulis%E2%80%8B\" >2. Apakah perjanjian utang piutang harus dibuat tertulis?\u200b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#3_Apa_saja_komponen_penting_surat_perjanjian_utang_piutang%E2%80%8B\" >3.     Apa saja komponen penting surat perjanjian utang piutang?\u200b<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#Identitas_para_pihak\" >Identitas para pihak<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#Jumlah_atau_nilai_utang%E2%80%8B\" >Jumlah atau nilai utang\u200b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#Bunga_pinjaman%E2%80%8B\" >Bunga pinjaman\u200b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#Metode_serta_waktu_pelunasan%E2%80%8B\" >Metode serta waktu pelunasan\u200b<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/#4_Lawsnote_DocPie_siap_membantu_anda_membuat_perjanjian_utang_piutang%E2%80%8B\" >4. Lawsnote DocPie siap membantu anda membuat perjanjian utang piutang\u200b<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"1_Apa_itu_perjanjian_utang_piutang\"><\/span><b>1. Apa itu perjanjian utang piutang?<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-60d6318 e-flex e-con-boxed e-con e-parent\" data-id=\"60d6318\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2c63b61 elementor-widget elementor-widget-text-editor\" data-id=\"2c63b61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Perjanjian utang piutang\u00a0sering disebut juga dengan perjanjian pinjam meminjam. Berdasarkan Pasal 1754 Kitab Undang-Undang Hukum Perdata (KUHPer), pinjam meminjam adalah perjanjian dimana pihak pertama menyerahkan sejumlah barang yang dapat habis terpakai kepada pihak kedua dengan syarat bahwa pihak kedua itu akan mengembalikan barang sejenis kepada pihak pertama dalam jumlah dan keadaan yang sama.<\/p><p>Secara ringkas,\u00a0perjanjian utang piutang\u00a0adalah perjanjian yang menetapkan syarat dan ketentuan yang berlaku antara peminjam (debitur) dan pemberi pinjaman (kreditur) dalam suatu transaksi utang piutang atau pinjaman. Adanya suatu\u00a0perjanjian utang piutang\u00a0dapat memastikan transaksi antara para pihak bisa berjalan lancar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a2f815e e-flex e-con-boxed e-con e-parent\" data-id=\"a2f815e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d9d99a elementor-widget elementor-widget-heading\" data-id=\"4d9d99a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"2_Apakah_perjanjian_utang_piutang_harus_dibuat_tertulis%E2%80%8B\"><\/span><b>2. Apakah perjanjian utang piutang harus dibuat tertulis?\u200b<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1534cc e-flex e-con-boxed e-con e-parent\" data-id=\"e1534cc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5beef43 elementor-widget elementor-widget-text-editor\" data-id=\"5beef43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Perjanjian utang piutang\u00a0sering disebut juga dengan perjanjian pinjaa<\/p><p>Pada dasarnya, para pihak tidak harus membuat\u00a0perjanjian utang piutang\u00a0secara tertulis. Suatu perjanjian (termasuk\u00a0perjanjian utang piutang) dikatakan sah dan mengikat bila memenuhi syarat-syarat yang dirumuskan Pasal 1320 KUHPer, yakni:<\/p><ul><li aria-level=\"1\">Kesepakatan mereka yang mengikatkan dirinya<\/li><li aria-level=\"1\">Kecakapan untuk membuat suatu perikatan<\/li><li aria-level=\"1\">Suatu pokok persoalan tertentu<\/li><li aria-level=\"1\">Suatu sebab yang tidak terlarang<\/li><\/ul><p>\u00a0Sesuai isi Pasal 1320 di atas, selama\u00a0perjanjian utang piutang\u00a0memenuhi empat syarat tersebut, sekalipun dalam bentuk lisan, perjanjian tersebut tetap sah dan mengikat kedua belah pihak. Dan berdasarkan Pasal 1338 KUHPer, semua persetujuan yang dibuat sesuai dengan undang-undang berlaku sebagai undang-undang bagi mereka yang membuatnya.\u00a0<\/p><p>Namun tetap saja harus diperhatikan, walaupun para pihak tidak harus membuat\u00a0perjanjian utang piutang\u00a0secara tertulis, di saat kreditur melakukan penagihan atau saat terjadi sengketa, susah bagi para pihak untuk membuktikan adanya suatu transaksi utang piutang atau pinjaman dengan perjanjian berbentuk lisan (harus diperkuat dengan alat-alat bukti lain). Untuk mengantisipasi kesulitan-kesulitan tersebut, para pihak disarankan untuk membuat\u00a0perjanjian utang piutang\u00a0secara tertulis.<\/p><p>Kegunaan\u00a0perjanjian utang piutang\u00a0berbentuk surat antara lain:<\/p><ul><li aria-level=\"1\">Menunjukkan identitas para pihak yang terlibat dalam transaksi.<\/li><li aria-level=\"1\">Meningkatkan kepercayaan para pihak yang terlibat dalam transaksi.<\/li><li aria-level=\"1\">Menjelaskan hak dan kewajiban para pihak serta mengurangi kemungkinan terjadi kesalahpahaman di kemudian hari.<\/li><li aria-level=\"1\">Di saat terjadi sengketa, para pihak bisa mengacu pada surat\u00a0perjanjian utang piutang\u00a0untuk menyelesaikan sengketa.<\/li><\/ul><p>Jika perjanjian utang piutang dibuat di atas materai, maka bisa dijadikan alat bukti di pengadilan.m meminjam. Berdasarkan Pasal 1754 Kitab Undang-Undang Hukum Perdata (KUHPer), pinjam meminjam adalah perjanjian dimana pihak pertama menyerahkan sejumlah barang yang dapat habis terpakai kepada pihak kedua dengan syarat bahwa pihak kedua itu akan mengembalikan barang sejenis kepada pihak pertama dalam jumlah dan keadaan yang sama.<\/p><p>Secara ringkas,\u00a0perjanjian utang piutang\u00a0adalah perjanjian yang menetapkan syarat dan ketentuan yang berlaku antara peminjam (debitur) dan pemberi pinjaman (kreditur) dalam suatu transaksi utang piutang atau pinjaman. Adanya suatu\u00a0perjanjian utang piutang\u00a0dapat memastikan transaksi antara para pihak bisa berjalan lancar.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-12d546f e-flex e-con-boxed e-con e-parent\" data-id=\"12d546f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ac0b32c elementor-widget elementor-widget-heading\" data-id=\"ac0b32c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"3_Apa_saja_komponen_penting_surat_perjanjian_utang_piutang%E2%80%8B\"><\/span><b>3.     Apa saja komponen penting surat perjanjian utang piutang?\u200b<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2516ce0 e-flex e-con-boxed e-con e-parent\" data-id=\"2516ce0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b286795 elementor-widget elementor-widget-text-editor\" data-id=\"b286795\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Surat\u00a0perjanjian utang piutang\u00a0bisa memuat banyak ketentuan, dan di antara ketentuan-ketentuan tersebut, ada beberapa komponen penting yang harus diperhatikan.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db67301 e-flex e-con-boxed e-con e-parent\" data-id=\"db67301\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-373428b elementor-widget elementor-widget-image\" data-id=\"373428b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"489\" src=\"https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/\u501f\u8cb8\uff3f\u5370\u5c3c-1024x489.png\" class=\"attachment-large size-large wp-image-185\" alt=\"Komponen penting surat perjanjian utang piutang\" srcset=\"https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/\u501f\u8cb8\uff3f\u5370\u5c3c-1024x489.png 1024w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/\u501f\u8cb8\uff3f\u5370\u5c3c-300x143.png 300w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/\u501f\u8cb8\uff3f\u5370\u5c3c-768x367.png 768w, https:\/\/docpie.lawsnote.com\/id\/blog\/wp-content\/uploads\/2024\/06\/\u501f\u8cb8\uff3f\u5370\u5c3c.png 1353w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e1578de e-flex e-con-boxed e-con e-parent\" data-id=\"e1578de\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-187e2ee elementor-widget elementor-widget-heading\" data-id=\"187e2ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Identitas_para_pihak\"><\/span><b><\/b><span style=\"font-family: Roboto, sans-serif;font-size: 22px;font-style: normal;font-weight: 600;white-space: pre-wrap;text-align: var(--text-align);background-color: var(--ast-global-color-5);float: none\">Identitas para pihak<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d879172 e-flex e-con-boxed e-con e-parent\" data-id=\"d879172\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6484fb2 elementor-widget elementor-widget-text-editor\" data-id=\"6484fb2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Setiap surat perjanjian harus memuat identitas para pihak secara jelas (seperti nama, alamat, nomor KTP, nomor NPWP), dan untuk surat\u00a0perjanjian utang piutang, para pihak yang dimaksud adalah kreditur dan debitur.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-40ca652 e-flex e-con-boxed e-con e-parent\" data-id=\"40ca652\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5daa3b2 elementor-widget elementor-widget-heading\" data-id=\"5daa3b2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Jumlah_atau_nilai_utang%E2%80%8B\"><\/span>Jumlah atau nilai utang\u200b<span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-628dbfa e-flex e-con-boxed e-con e-parent\" data-id=\"628dbfa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c481af5 elementor-widget elementor-widget-text-editor\" data-id=\"c481af5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Jumlah atau nilai utang harus dicatatkan secara jelas dalam\u00a0perjanjian utang piutang\u00a0untuk menghindari kesalahpahaman para pihak di kemudian hari. Selain itu, jumlah utang juga akan dijadikan dasar perhitungan bunga (jika terdapat perjanjian bunga dalam\u00a0perjanjian utang piutang\u00a0tersebut). Perlu diperhatikan juga, untuk membuktikan bahwa kreditur telah memberikan pinjaman kepada debitur, disarankan untuk membuat tanda terima dua rangkap untuk disimpan masing-masing pihak. Jika pemberi pinjaman memberikan uang pinjaman dengan metode penyetoran, maka slip setoran juga harus disimpan sebagai bukti pemberian pinjaman.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50fb3e6 e-flex e-con-boxed e-con e-parent\" data-id=\"50fb3e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-de50638 elementor-widget elementor-widget-heading\" data-id=\"de50638\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Bunga_pinjaman%E2%80%8B\"><\/span>Bunga pinjaman\u200b<span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7d71a2 e-flex e-con-boxed e-con e-parent\" data-id=\"a7d71a2\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-74ea3c3 elementor-widget elementor-widget-text-editor\" data-id=\"74ea3c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Bunga adalah bentuk balas jasa yang diberikan debitur kepada kreditur atas pemberian pinjaman. Pasal 1765 KUHPer memperbolehkan para pihak membuat perjanjian bunga atas pinjaman uang atau barang yang habis dalam pemakaian. Jika para pihak sepakat membuat perjanjian bunga, maka sebaiknya ketentuan ini dituangkan ke dalam surat\u00a0perjanjian utang piutang.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f6f328 e-flex e-con-boxed e-con e-parent\" data-id=\"5f6f328\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2fd9c42 elementor-widget elementor-widget-heading\" data-id=\"2fd9c42\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"Metode_serta_waktu_pelunasan%E2%80%8B\"><\/span>Metode serta waktu pelunasan\u200b<span class=\"ez-toc-section-end\"><\/span><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fea253f e-flex e-con-boxed e-con e-parent\" data-id=\"fea253f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3dbe61d elementor-widget elementor-widget-text-editor\" data-id=\"3dbe61d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Untuk menghindari resiko kesalahpahaman yang sangat mungkin memperpanjang proses penagihan utang, sebaiknya surat\u00a0perjanjian utang piutang\u00a0memuat ketentuan mengenai metode dan waktu pelunasan utang. Metode pelunasan utang bisa bervariasi sesuai kebutuhan para pihak, dan waktu pelunasan bisa berupa tanggal atau periode waktu tertentu.<\/p><p>Selain ketentuan-ketentuan di atas, surat\u00a0perjanjian utang piutang\u00a0juga bisa memuat ketentuan tambahan, seperti jaminan atau agunan, denda keterlambatan, penyelesaian sengketa dan lain sebaginya. Para pihak juga bisa menentukan apakah hendak melibatkan saksi dalam pembuatan perjanjian ataupun membuat perjanjian di atas materai. Tentu saja, di saat merumuskan isi perjanjian, semua pihak harus menyimak isinya dengan teliti agar tidak terselip ketentuan yang tidak seimbang atau lebih menguntungkan pihak lawan, seperti persentase bunga yang terlalu tinggi, jaminan dengan nilai jauh lebih tinggi daripada nilai pinjaman, dan lain-lain.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-97e7a31 e-flex e-con-boxed e-con e-parent\" data-id=\"97e7a31\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-48dc046 elementor-widget elementor-widget-heading\" data-id=\"48dc046\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><span class=\"ez-toc-section\" id=\"4_Lawsnote_DocPie_siap_membantu_anda_membuat_perjanjian_utang_piutang%E2%80%8B\"><\/span><b>4. Lawsnote DocPie siap membantu anda membuat perjanjian utang piutang\u200b<span class=\"ez-toc-section-end\"><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3b7921 e-flex e-con-boxed e-con e-parent\" data-id=\"a3b7921\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-546f8e8 elementor-widget elementor-widget-text-editor\" data-id=\"546f8e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Berdasarkan pembahasan di atas, bisa diketahui bahwa terdapat berbagai aspek yang harus diperhatikan dalam pembuatan\u00a0perjanjian utang piutang. Tim profesional Lawsnote DocPie siap membantu anda membuat\u00a0perjanjian utang piutang\u00a0dan membantu anda menghindari resiko-resiko hukum.\u00a0<\/p><p>Tim kami menyediakan jasa konsultasi, jasa pengecekan isi perjanjian, serta jasa membuat perjanjian. Silakan hubungi kami untuk informasi lebih lanjut!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-bdf83f5 e-flex e-con-boxed e-con e-parent\" data-id=\"bdf83f5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-9f4f976 e-con-full e-flex e-con e-child\" data-id=\"9f4f976\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ea7588 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"4ea7588\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"mailto:docpieid@lawsnote.com\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hubungi Lawsnote DocPie<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Perjanjian utang piutang merupakan salah satu jenis perjanjian yang sering digunakan dalam kehidupan sehari-hari dan juga dalam kegiatan ekonomi. Apakah anda tahu apa itu perjanjian utang piutang? Lalu, apa saja yang perlu diketahui saat membuat surat perjanjian utang piutang? Pembahasan di bawah ini akan membantu anda yang ingin melakukan transaksi pinjaman atau anda yang sedang merumuskan isi perjanjian utang piutang.<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-179","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cara Membuat Perjanjian Utang Piutang - Lawsnote DocPie Indonesia<\/title>\n<meta name=\"description\" content=\"Perjanjian utang piutang merupakan salah satu jenis perjanjian yang sering digunakan dalam kehidupan sehari-hari dan juga dalam kegiatan ekonomi. Apakah anda tahu apa itu perjanjian utang piutang? Lalu, apa saja yang perlu diketahui saat membuat surat perjanjian utang piutang? Pembahasan di bawah ini akan membantu anda yang ingin melakukan transaksi pinjaman atau anda yang sedang merumuskan isi perjanjian utang piutang.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/docpie.lawsnote.com\/id\/blog\/debit-and-credit\/\" \/>\n<meta property=\"og:locale\" content=\"id_ID\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cara Membuat Perjanjian Utang Piutang - Lawsnote DocPie Indonesia\" \/>\n<meta property=\"og:description\" content=\"Perjanjian utang piutang merupakan salah satu jenis perjanjian yang sering digunakan dalam kehidupan sehari-hari dan juga dalam kegiatan ekonomi. Apakah anda tahu apa itu perjanjian utang piutang? Lalu, apa saja yang perlu diketahui saat membuat surat perjanjian utang piutang? 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