Tinjauan yuridis pelaksanaan eksekusi hak tanggungan dalam penyelesaian kredit macet

Agustina, Euis Cahyati (2020) Tinjauan yuridis pelaksanaan eksekusi hak tanggungan dalam penyelesaian kredit macet. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank sebagai suatu lembaga keuangan yang memiliki fungsi intermediari yaitu menghimpun dana dari masyarakat dalam bentuk simpanan dan kemudian menyalurkan dana tersebut ke masyarakat dalam bentuk pinjaman sebagaimana diatur dalam Pasal 1 angka 2 UU No. 10 Tahun 1998 tentang Perubahan atas Undang-undang Nomor 7 Tahun 1992 tentang Perbankan (“UU Perbankan”).Dalam fungsinya Bank sebagai penyalur dana, bentuk kerangka hukum yang mengikat bagi Bank dengan Debitur adalah dengan dibuat Perjanjian Kredit sebagai perikatan pokok dan diikuti dengan penandatanganan perjanjian jaminan sebagai perjanjian tambahan atau accessoir untuk pengikatan suatu jaminan tertentu dalam rangka penjaminan atas pelunasan utang Debitur (bentuk mitigasi risiko adanya kredit macet). Objek jaminan yang diminati Perbankan adalah berupa tanah dan/atau bangunan berikut segala sesuatu yang melekat diatasnya. Pengikatan atas objek jaminan tersebut disebut dengan pengikatan Hak Tanggungan sebagaimana diatur dalam Undang-undang No. 4 Tahun 1996 tentang Hak Tanggungan (“UUHT”) dengan lahirnya Sertifikat Hak Tanggungan sebagai suatu bentuk perlindungan hukum bagi Kreditur dari Negara. Metode Pendekatan yang digunakan dalam penelitian ini adalah normatif, dengan pendekatan masalah menggunakan pendekatan peraturan perundang-undangan (statute approach) dengan tipe penelitian deskriptif. Bahan hukum yang digunakan adalah bahan hukum sekunder baik dari peraturan perundang-undangan, buku maupun jurnal ilmiah. Hasil penelitian ini menunjukkan bahwa pengikatan Jaminan merupakan suatu bentuk mitigasi risiko dari Bank atas kegagalan pembayaran Debitur atau yang dikenal dengan istilah Kredit Macet. Cara penyelesaian kredit macet oleh Bank antara lain melalui : (i) penjadwalkan kembali (rescheduling), (ii) persyaratan kembali (reconditioning), dan (iii) penataan kembali (restructuring). Bila dilangkah penyelesaian kredit macet tersebut masih belum menyelesaikan masalah, selanjutnya akan dilakukan Eksekusi Hak Tanggungan atas objek jaminan yang diberikan Debitur tersebut, baik yang didahului dengan peringataan atau somasi terlebih dahulu sebanyak-banyaknya 3 (tiga) kali ataupun tanpa peringatan terlebih dahulu. Pelaksanaan Eksekusi Hak Tanggungan sesuai UUHT dapat dilakukan dengan cara penjualan dibawah tangan, melalui pelelangan umum maupun dengan suatu title eksekutorial melalui Pengadilan. / Bank as financial institution having intermediary function which is collecting fund from community in form of deposit and therefore distributing such fund to the community in form of loan as regulated in Article 1 point 2 of Laws No. 10 Year 1998 regarding Amendment of Laws Number 7 Year1992 regarding Banking (“Laws of Banking”). In its function as fund distributor, the legal form binding Bank and debtor shall be Credit Agreement as the main binding and followed by Guarantee Agreement signing as additional agreement or accessoir for certain guarantee binding for the purpose of Debtor loan fully payment guarantee (form of non performing loan risk mitigation). The interesting loan object for banking shall be land and/or building along with any and all subjects attached unto it. Binding on collateral object shall be referred to as Binding on Warranty Rights as regulated in Laws No. 4 Year 1996 regarding Warranty Rights (“UUHT”) as the issuance of Certificate of Warranty Right for the form of legal protection to Creditor. Approach method used in this study shall be normative, and the problem approach uses laws and regulation approach (statute approach) with descriptive study type. Legal material used shall be secondary laws material both from laws and regulation, book, and scientific journal. The study result shows that Collateral Binding is one of risk mitigation of Bank for Debtor payment failures or commonly known as Non Performing Loan. Method of non performing loan settlement from Bank shall be including : (i) rescheduling, (ii) reconditioning, and (iii) restructuring. In the event that the steps have not settled the problem yet, Bank will execute Warranty Right Execution on Collateral Object provided by the Debtor, both by prior warning or prior legal notice at the maximum 3 (three) times or with no prior warning. Warranty Right Execution in accordance with UUHT may be executed by sub rosa selling method, public auction or executorial title by Courts.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Agustina, Euis CahyatiNIM01656170144UNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016UNSPECIFIED
Uncontrolled Keywords: Bank ; Non Performing Loan ; Warranty Rights Execution
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 3148 not found.
Date Deposited: 22 Feb 2020 09:03
Last Modified: 13 Jul 2020 07:57
URI: http://repository.uph.edu/id/eprint/7847

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