Analisis mengenai objek hak tanggungan yang tidak dapat dieksekusi berdasarkan undang-undang hak tanggungan (studi kasus putusan mahkamah agung nomor 1104/k/pdt/2010)

Siletty, Christy Stevany Finly (2017) Analisis mengenai objek hak tanggungan yang tidak dapat dieksekusi berdasarkan undang-undang hak tanggungan (studi kasus putusan mahkamah agung nomor 1104/k/pdt/2010). Masters thesis, Universitas Pelita Harapan.

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Abstract

Proses pemberian kredit dengan jaminan Hak Tanggungan sering terjadi bahwa kreditur dirugikan ketika debitur melakukan wanprestasi. Sejatinya kreditur pemegang Hak Tanggungan mempunyai hak untuk menjual jaminan tersebut atas kekuasaan sendiri apabila debitur wanprestasi sebagaimana diatur dalam Pasal 6 UU No. 4 Tahun 1996. Tetapi dalam praktiknya sering terjadi perlawanan dari pihak debitur tereksekusi sehingga menghambat pelaksanaan eksekusi Hak Tanggungan. Masalah dalam penelitian ini adalah bentuk perlindungan hukum bagi kreditur dan pelaksanaan eksekusi hak Tanggungan yang tidak dilaksanakan oleh Pengadilan Negeri Tanjung Karang, Bandar Lampung. Metode penelitian yang penulis gunakan adalah metode penelitian hukum normatif dengan pertimbangan titik tolak penelitian analisis terhadap peraturan perundangundangan yang berhubungan dengan Ekseskusi Hak Tanggungan. Hasil penelitian ini menyebutkan bahwa bentuk perlindungan hukum kreditur pemegang sertipikat Hak Tanggungan terhadap debitur yang melakukan perlawanan saat jaminannya dieksekusi adalah sertipikat Hak Tanggungan dan sertipikat Hak Atas Tanah. Sertipikat Hak Tanggungan tersebut memiliki Title Eksekutorialsebagaimana diatur dalam Pasal 14ayat (2) UU No. 4 Tahun 1996, sehingga kreditur memiliki kuasa penuh untuk melakukan eksekusi terhadap jaminan tersebut dan mendapatkan pelunasan utang secara utuh apabila debitur wanprestasi. Proses eksekusi Hak Tanggungandilakukan sesuaiPasal 20 UU No. 4 Tahun 1996yaitu dengan cara: pelelangan umum, penjualan di bawah tangan dan Putusan Pengadilan Negeri. Hambatan dalam pelaksanaan eksekusi Hak Tanggungan adalah adanya debitur yang berbelit-belit, ketidakcocokan harga lelang dan upaya perlawanan hukumdari pihak debitur / The process of granting credit with the guarantee of Mortgage Rights often occurs that the creditor is impaired when the debtor makes a default. Indeed creditor holders of Mortgage Rights have the right to sell the guarantee on their own powers if the debtor is defaulted as regulated in Article 6 of Law no. 4 Year 1996. But in practice there is often resistance from the executed debtor thereby impeding the execution of the Mortgage Rights.The problem in this research is the form of legal protection for the creditor and execution of the right of Dependency which is not executed by the Tanjung Karang District Court, Bandar Lampung. Research method that writer use is method of normative law research with consideration of starting point of analysis research to legislation relating to Execution of Mortgage Rights. The result of this research stated that the form of legal protection of creditor holder of the certificate of the Mortgage Right to the debtor who performs the resistance when the guarantee is executed is the certificate of the Guaranteed Right and the Land Rights certificate. The Certificate of Mortgage Right has an Executive Title as set forth in Article 14ayat (2) of Law no. 4 Year 1996, so that the creditor has full power to execute the guarantee and get the full repayment of debt if the debtor is defaulted. The process of execution of the Mortgage right is carried out in accordance with Article 20 of Law no. 4 Year 1996yaitu by way of: public auction, sales under the hand and Decision of the District Court. Obstacles in the execution of the Mortgage right is the existence of the debtor is convoluted, the incompatibility of auction price and the effort of legal resistance from the debtor

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