PENYELESAIAN PERJANJIAN KREDIT DI BPR ARTHA SENTANA HARDJA BEKASI DENGAN OBYEK JAMINAN YANG TIDAK DIBUAT AKTA JAMINAN FIDUSIA DAN TIDAK DIDAFTARKAN
| Main Authors: | , Sugiyana, , Purman Hidayat, S.H., M.Hum |
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| Format: | Thesis NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2012
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/100265/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=56128 |
Daftar Isi:
- The purpose of this research are to know why the fiduciary guarantee of credit contract in BPR Artha Sentana Hardja Bekasi not made in authentic fiduciary agreement and also not listed to the Office of Fiduciary List, to know how is the solving problem non performing loan of fiduciary guarantee in BPR Artha Sentana Hardja that not listed their fiduciary contact, and to know is the mass giving to sell the object of guarantee could be executed even the fiduciary contract did not made and listed. The result of this research could be concluded that BPR Artha Sentana Hardja did not made the fiduciary contract and did not list the contract of fiduciary guaranty to the Office of Fiduciary List caused of some thing, there are. There is a policy Namely The Separation and Deletions of productive active BPR by Indonesia Bank, it is take lot of time to make a certificate of fiduciary guaranty, the short credit tenor maximum 12 month, so far away of distance from Bekasi to Bandung City, the expensively of cost to make certificate, and selective credit policy that choose by BPR Artha Sentana Hardja. The executions of fiduciary guarantee in the credit contract that made by BPR Artha Sentana Hardja, done by the delegations letter to sell the object of fiduciary guarantee especially the motor, that legalized by a public notary. This fiduciary contract indeed to make in the authentic form. The executions done if the owner did not struggle it. The cons turn that now days being held in BPR Artha Sentana Hardja in order to execute the collateral things are if the things are not being droid by the debtor, that may be caused of the thing has been sold or being rent or broken. If that happened the BPR effort to change the guarantee manner with others with pattern 100/60 of the credit value. The execution of fiduciary guarantee that not listed to the Office of Fiduciary List that only made by the delegation letter that legalized by public notary. Because of that thing made by obying the rule, so base on chapter 1337 KUH Perdata, a caused is forbiden if it is forbot by the regulations, forbiden by ethich and public rule. Becaused of that so can be concluded that the delagation letter to sell that have been legalized by the public notary, that become the base by BPR to execute the guarantee is puspone by the law because that delegations letter is one things that forbid by the law especially Undang-undang Number 42 year 1999 about fiduciary guarantee.