Perjanjian kredit bermasalah di bidang perbankan dikaitkan dengan hak tanggungan

Widjayanti, Hera (2016) Perjanjian kredit bermasalah di bidang perbankan dikaitkan dengan hak tanggungan. Masters thesis, Universitas Pelita Harapan.

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Abstract

Dewasa ini telah terjadi banyak kasus yang terkait dengan perjanjian kredit. Jika dalam hal kasus tersebut tidak segera diantisipasi oleh Bank / Kreditur maka akan berdampak pada kesehatan Bank itu sendiri. Oleh sebab itu perikatan dalam perjanjian kredit menjadi permasalahan yang serius yang harus diperhatikan oleh pihak perbankan sebagai kreditur. Tesis ini mengkaji secara hukum kasus perjanjian jaminan kredit bermasalah dikarenakan wanprestasi yang dikaitkan dengan perlindungan hukum dan Hak Tanggungan, sebagaimana obyek jaminan atas tanah belum bersertipikat dikarenakan proses pendaftaran di Kantor Pertanahan setempat belum selesai oleh karenanya belum dapat diikat dengan Hak Tanggungan sehingga pada saat debitur mengalami wanprestasi tidak dapat segera dilakukan eksekusi karena belum mempunyai kekuatan hukum tetap. Metode pendekatan yang digunakan adalah Yuridis Normatif dan Yuridis Kualitatif yang akan mengkaji obyek permasalahan melalui sumber hukum yang menyangkut perjanjian dan Undang – Undang Perbankan yang secara khusus meneliti tentang Hak Tanggungan melalui pendekatan kepustakaan dan pendekatan melalui wawancara. Hasil penelitian yang dapat disimpulkan bahwa dihimbau pada pihak –pihak terkait yaitu Debitur, Kreditur, Notaris/PPAT, Kantor Pertanahan, Pengadilan Negeri untuk dapat melaksanakan tugasnya baik hak serta kewajibannya masing – masing dengan sebaik – baiknya agar menghindari hal-hal yang tak diinginkan / Today there has been a lot of cases related to the credit agreement. If in the event the case is not immediately anticipated by the Bank / Lender will have an impact on the health of the Bank itself. Therefore, the engagement in the credit agreement becomes a serious problem that must be considered by the banks as creditors. This thesis examines the legal cases of non-performing loans due to collateral agreements defaults associated with legal protection and Mortgage, object as collateral for the land has not been certified because the process of registration at the local Land Office unfinished therefore not be bound by any Mortgage so that when a debtor is experiencing defaults can not be executed immediately because it does not have binding legal force. The method used is a normative juridical and juridical Qualitative who will examine the subject matter through legal sources concerning treaties and the Constitution - the Banking Act that specifically examines Encumbrance through literature approaches and approaches through interviews. Results of research can be concluded that encouraged the parties related -pihak namely Debtors, Creditors, Notary / PPAT, Land Office, the District Court to be able to carry out their duties properly the rights and obligations of each - each with as well - good to avoid things that are not desirable

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