Perlindungan Hukum Bagi Kreditur Terhadap Kredit Macet Dengan Jaminan Hak Tanggungan

Tami Rusli

Abstract


Event of default committed by the debtor in the credit agreement would be detrimental to the creditors, so we need a rule of law in the implementation of the imposition of Mortgage as collateral contained in a credit agreement. The problem in this research is how the legal protection against creditors in the bank credit agreement by UUHT ?. The approach used in this research is normative juridical and empirical approach. Data collected by literature study and field studies. Analysis of qualitative data. Results of research legal protection against creditors in the bank credit agreement by UUHT is the form of protection concerning the clarity of the administration, a form of protection as outlined in the principles encumbrance, a form of protection that gives legal certainty to creditors in terms of sales object security rights through the implementation of sales below hand. advice delivered is supervision and guidance made by the bank should be increased, without any intention to interfere in the affairs of "housekeeping" debtor. Likewise, in analyzing the loan application, should do more in-depth, thorough and careful so as to anticipate the occurrence of bad debts.


Keywords


Legal Protection; Bad Debt; Mortgage.

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References


A. BUKU – BUKU

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Undang-Undang Dasar Republik Indonesia 1945;

Kitab Undang-Undang Hukum Perdata atau Burgerlijk Wetboek (BW);

Undang-Undang Nomor 5 Tahun 1960 tentang Peraturan Dasar Pokok-Pokok Agraria;

Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan atas Tanah Beserta Benda-Benda yang Berkaitan dengan Tanah;

Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan;

Undang-Undang Nomor 23 Tahun 1999 sebagaimana telah diubah menjadi Undang-Undang Nomor 3 Tahun 2004 dan telah diubah terakhir dengan Undang-Undang Nomor 6 Tahun 2009 tentang Bank Indonesia;

C. SUMBER LAIN

www.repository.usu.ac.id.

Rusli, Tami, 2016, Perlindungan Hukum Bagi Kreditur Terhadap Kredit Macet Dengan Jaminan Hak Tanggungan, Universitas Bandar Lampung.


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