Kekuatan hukum kredit subsidi atau kredit usaha kecil dengan jaminan hak tanggungan berdasarkan peraturan menteri negara agraria/kepala badan pertanahan nasional nomor 4 tahun 1996 tentang penetapan batas waktu penggunaan skmht

Nugroho, Yudhistira Adi (2017) Kekuatan hukum kredit subsidi atau kredit usaha kecil dengan jaminan hak tanggungan berdasarkan peraturan menteri negara agraria/kepala badan pertanahan nasional nomor 4 tahun 1996 tentang penetapan batas waktu penggunaan skmht. Masters thesis, Universitas Pelita Harapan.

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Abstract

In the case of Mortgage buyer can not appear before a Notary or PPAT, Article 15 of the Law Mortgage provides the opportunity for the assigning of dependents to use the Power of Attorney Imposing Mortgage (SKMHT). According to Article 1 of the Regulation of the Minister of Agrarian No. 4 of 1994 on Determination Deadlines SKMHT use to guarantee the repayment of certain loans, the period of validity SKMHT "until the end of the relevant principal agreement". Related subsidized loans or small business loans with a credit limit Rp.50.000.000, - (fifty million rupiah) up to Rp.250.000.000, - (two hundred and fifty million rupiah) which should each tied with mortgage credit in order in the process of execution of the object security rights to do Approach to the problem approach the law, with legal materials consisting of primary legal materials, secondary and non-legal materials. Analysis of materials research in this thesis using qualitative normative analysis. In order to draw conclusions from the research that has been collected is used deductive method of analysis of legal materials. Based on the research we concluded that, SKMHT this period to be increased to APHT for 1 month to 3 months registered land and for the land has not been registered. This time period according to Article 15 (5) of the Act Mortgage excluded by Minister of State for Agrarian Affairs / Head of National Land Agency Number 4 of 1996 concerning the use of an expiration date SKMHT to guarantee repayment of certain credits. In the area of mortgages, especially for mortgages subsidized SKMHT time period is set during the loan period so that the debtor is not burdened with the cost APHT again. These rules are not in line with the execution of the auction mortgages arranged by auction house KPKNL (the State Property Office and Auction) because the main requirement can be done auction security rights that is the SHT (certificate of encumbrance) in the UUPA. / Dalam hal pembeli Hak Tanggungan tidak dapat hadir di hadapan Notaris atau PPAT, Pasal 15 Undang-Undang Hak Tanggungan memberikan kesempatan kepada pemberi hak tanggungan untuk menggunakan Surat Kuasa Membebankan Hak Tanggungan (SKMHT). Menurut Pasal 1 Peraturan Menteri Agraria Nomor 4 Tahun 1994 Tentang Penetapan Batas Waktu penggunaan SKMHT untuk menjamin pelunasan kredit tertentu, jangka waktu berlakunya SKMHT “sampai saat berakhirnya perjanjian pokok yang bersangkutan”. Terkait pemberian kredit subsidi atau kredit usaha kecil dengan plafon kredit Rp.50.000.000,- (lima puluh juta rupiah) sampai dengan Rp.250.000.000,- (dua ratus lima puluh juta rupiah) yang seharusnya setiap kredit diikat dengan hak tanggungan agar dalam proses eksekusi atas objek hak tanggungan dapat dilakukan Pendekatan masalah menggunakan pendekatan undang-undang, dengan bahan hukum yang terdiri dari bahan hukum primer, sekunder dan bahan non hukum. Analisa bahan penelitian dalam tesis ini menggunakan analisis normatif kualitatif. Guna menarik kesimpulan dari hasil penelitian yang sudah terkumpul dipergunakan metode analisa bahan hukum deduktif. Berdasarkan hasil penelitian diperoleh kesimpulan bahwa, Jangka waktu SKMHT ini untuk ditingkatkan menjadi APHT selama 1 bulan untuk tanah terdaftar dan 3 bulan untuk tanah belum terdaftar. Jangka waktu ini menurut Pasal 15 ayat (5) Undang-Undang Hak Tanggungan dikecualikan berdasarkan Peraturan Menteri Negara Agraria/Kepala Badan Pertanahan Nasional Nomor 4 Tahun 1996 tentang penetapan batas waktu penggunaan SKMHT untuk menjamin pelunasan kredit-kredit tertentu. Dalam bidang KPR, khusus untuk KPR bersubsidi jangka waktu SKMHT ini ditetapkan selama jangka waktu kredit sehingga debitur tidak dibebani dengan biaya APHT lagi. Peraturan tersebut tidak sejalan dengan eksekusi lelang hak tanggungan yang diatur oleh balai lelang KPKNL (Kantor Pelayanan Kekayaan Negara dan Lelang) karena syarat utama dapat dilakukannya lelang Hak tanggungan yaitu adanya SHT (sertifikat hak tanggungan) dalam UUPA.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Nugroho, Yudhistira AdiNIM00000015253UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorTukgali, Lieke L.NIDN8826150017UNSPECIFIED
Additional Information: T 56-14 NUG k
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: Users 15 not found.
Date Deposited: 10 May 2019 04:23
Last Modified: 04 Nov 2021 08:22
URI: http://repository.uph.edu/id/eprint/3263

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