Efek beragun aset yang diikat dengan surat kuasa membebankan hak tanggungan

Nugraha, Aryastro Divi (2016) Efek beragun aset yang diikat dengan surat kuasa membebankan hak tanggungan. Masters thesis, Universitas Pelita Harapan.

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Abstract

In process publishing EBA of securitization Housing Loan (KPR), right to claim contained in Housing Loan (KPR) receivables and along with Mortgage attached to it cessie sold by the Bank to the secondary mortgage company not all rights are based on the accounts receivable that have been equipped with Mortgage as collateral is still tied up in the form of Authorisation For Assignment Of Mortgage. The core of the securitization transaction is that which is the principal measure is investment is not the creditworthiness of the Issuer , but the availability of collection of receivables ( portfolios bills ) are of good quality and meet the criteria of a certain standard so that together with the other aspects will maintain the performance of the receivables are always in good condition until the receivables repaid. Rigorous selection and subdued performance receivables kaan avoid execution rather than the rights assurance process that will involve costs to enhance security rights to the collection of receivables to the binding still in shape is still tied up in the form of Authorisation For Assignment Of Mortgage. In this study, data collection is done by using the approach of Act (statute approach) and the conceptual approach, namely by interviewing directly to the parties that involved in the process of publishing EBA of securitization Housing Loan (KPR). From these results it can be concluded that the receivables are still tied guarantee with Authorization For Assignment Of Mortgage doesn’t always become an obstacle in the process of issuing the EBA in order to protect the interests of investors throughout the selection process in the stages of the process is done properly and correctly. / Dalam proses penerbitan EBA pada proses sekuritisasi KPR, hak tagih yang terdapat dalam piutang KPR dan beserta dengan Hak Tanggungan yang melekat padanya dijual oleh Bank secara cessie kepada perusahaan pembiayaan sekunder perumahan. Tidak semua hak tagih tersebut berdasarkan piutang yang telah dilengkapi dengan Hak Tanggungan karena jaminan masih diikat dalam bentuk Surat Kuasa Membebankan Hak Tanggungan. Inti dari transaksi sekuritisasi adalah bahwa yang menjadi pokok ukurannnya investasi bukanlah kelayakan kredit dari Penerbit, tetapi tersedianya kumpulan piutang (portofolio tagihan) yang berkualitas baik dan memenuhi kriteria standar tertentu sehingga bersama dengan aspek-aspek lain akan menjaga performance piutang tersebut selalu dalam kondisi baik sampai piutang tersebut dilunasi. Seleksi yang ketat dan terjaganya performance piutang kaan menghindari proses eksekusi daripada hak jaminan yang akan membutuhkan biaya untuk menyempurnakan hak jaminan pada kumpulan piutang dengan pengikatan masih dalam bentuk Surat Kuasa Membebankan Hak Tanggungan Dalam penelitian ini, pengumpulan data dilakukan dengan menggunakan pendekatan Undang-Undang (statute approach) dan pendekatan konseptual (conceptual approach), yaitu dengan mewawancarai langsung kepada pihak-pihak yang terlibat langsung dalam proses penerbitan EBA. Dari hasil penelitian tersebut dapat disimpulkan bahwa piutang yang masih diikat jaminannya dengan Surat Kuasa Membebankan Hak Tanggungan tidak selalu menjadi kendala dalam proses penerbitan EBA untuk melindungi kepentingan investor sepanjang proses seleksi dalam tahapan proses tersebut dilakukan dengan baik dan benar.

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