Parate eksekusi hak tanggungan dalam penyelesaian kredit macet pada industri perbankan dikaitkan kepastian hukum kepada pemenang lelang

Syafri, Ahmad (2015) Parate eksekusi hak tanggungan dalam penyelesaian kredit macet pada industri perbankan dikaitkan kepastian hukum kepada pemenang lelang. Masters thesis, Universitas Pelita Harapan.

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Abstract

Kredit merupakan pinjam meminjam uang dalam kegiatan perbankan di Indonesia. Bank sebagai badan usaha yang memberikan kredit kepada debitur wajib melakukan upaya pengamanan agar kredit tersebut dapat dilunasi oleh debitur yang bersangkutan. Pengamanan kredit salah satunya dilakukan dengan jaminan kredit. Benda yang dijaminkan dapat dijual oleh bank jika debitur cidera janji. Kreditur dalam praktiknya seringkali mengalami kesulitan dalam melaksanakan parate executie terhadap obyek jaminan untuk mengambil pelunasan piutangnya ketika debitur cidera janji. Permasalahan yang diangkat oleh peneliti dalam penulisan tesis ini adalah, pertama, Bagaimana menyelesaikan kredit bermasalah pada lembaga perbankan serta peranan parate eksekusi Hak Tanggungan dalam melakukan eksekusi Objek Jaminan Hak tanggungan. Kedua, bagaimana penyelesaian hak kreditur melalui parate eksekusi, apabila dalam pelaksanaan pelelangan umum objek Hak Tanggungan harus melalui fiat eksekusi dari pengadilan. Ketiga, bagaimana perlindungan hukum terhadap pemenang lelang objek hak tanggungan dalam pelaksanaan parate eksekusi Hak Tanggungan. Penelitian ini dilakukan secara deskriptif analitis, yaitu memberikan gambaran secermat mungkin mengenai fakta-fakta yang ada, baik berupa data sekunder bahan hukum primer, data sekunder bahan sekunder serta bahan hukum. Penelitian ini menggunakan metode pendekatan secara yuridis normatif. Analisis data dilakukan dengan menggunakan metode analisis yuridis kualitatif. Kesimpulan yang diambil berdasarkan penelitian yang dilakukan oleh peneliti adalah, pertama penyelesaian kredit macet dengan jaminan hak tanggungan pada lembaga perbankan melalui parate eksekusi masih terdapat kendala dalam pelaksanaan nya, namun parate eksekusi Hak Tanggungan ini dapat berperan dengan baik dalam menurunkan jumlah kredit bermasalah di industri perbankan, sehingga industri perbankan hendaknya mengoptimalkan lagi pelaksanaan parate eksekusi Hak Tanggungan untuk penyelesaian kredit bermasalah, mengingat pelaksanaannya lebih efektif dibandingkankan dengan eksekusi melalui Pengadilan Negeri (fiat pengadilan). Kedua, Pasal 6 Undang- Undang Hak Tanggungan memberikan kewenangan kepada pemegang Hak Tanggungan pertama untuk menjual obyek Hak Tanggungan atas kekuasaan sendiri melalui pelelangan umum serta mengambil pelunasan piutangnya dari hasil penjualan tersebut, apabila debitur cidera janji. Ketiga, jika debitur atau pemilik semula tidak bersedia mengosongkan objek Hak Tanggungan secara sukarela maka Pejabat Lelang tidak memiliki kewenangan apapun, sebab pejabat lelang hanya pejabat yang melaksanakan penjualan saja. Perlindungan hukum yang diberikan kepada pembeli atau pemenang lelang seharusnya dapat dilindungi dengan jalan mengajukan eksekusi pengosongan kepada Ketua Pengadilan Negeri tanpa melalui gugatan. / Credit is borrowing money in banking activities in Indonesia. Bank as a business entity that provides credit to the debtors must securing the loan in order to be repaid by the debtors. One of securing the credit can be done by credit collateral. Collateral objects can be sold by the bank if the debtors break the contract. Creditors in practice often have difficulty in perform parate executie of the collateral objects to take repayment credit when the debtors break the contract. Issues raised by researchers in the writing of this thesis is, first, How to solve the problem loans in the banking institutions and the role of execution parate Mortgage in execution of mortgage objects. Second, how the settlement of creditor’s rights by parate execution, if the public auction of mortgage objects implementation must through the fiat execution of the court. Third, how legal protection against the winner of the auction of mortgage objects in the implementation of the execution parate Mortgage. This research was done in descriptive analysis, which gives an overview as carefully as possible with the facts that exist, either in the form of primary legal materials of secondary data, and secondary legal materials of secondary data. This study uses a normative juridical approach. Data analysis was conducted using qualitative methods of legal analysis. Conclusions are drawn based on research conducted by the researchers, the first settlement of bad loans with collateral mortgage on banking institutions through parate execution, there are still obstacles in the implementation of his, but parate execution of Mortgage can act well in reducing the amount of non- performing loans in the banking industry, so that the banking industry should optimize the further implementation of parate execution of mortgage for the settlement of non-performing loans, since its implementation more effective than the execution by the District Court (court fiat).. Second, article 6 of Mortgage Act authorizes the Mortgage objects holder to sell on its own power through public auction and taking payment from the proceeds of such claims, if the debtors break the contract. Third, if the debtor or the original owner is not willing to vacate the Mortgage object voluntarily, the official auction did not have any authority, because the auction’s official only fulfill the sales. The legal protection given to the buyer or winning bidder should be protected by way of vacate execution to the Chairman of the Court without going through a lawsuit

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Syafri, AhmadNIM00000008450UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSoerodjo, IrawanNIDN9907007043UNSPECIFIED
Uncontrolled Keywords: parate executie ; Mortgage ; Non performing loan ; Banking ; auction
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Ms Devy Christiany Zega
Date Deposited: 10 May 2019 04:22
Last Modified: 02 Dec 2020 02:20
URI: http://repository.uph.edu/id/eprint/3253

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