KAJIAN YURIDIS PERJANJIAN KREDIT DENGAN JAMINAN HAK TANGGUNGAN ANTARA BRI KANTOR CABANG LUMAJANG DAN NASABAH (STUDI KASUS PADA PERJANJIAN KREDIT ANTARA BRI KANTOR CABANG LUMAJANG DAN ADLI SUKAMTO DKK)
| Main Authors: | , nia karunia ratna putri, , Nanik Darmini, S.H., M.Hum. |
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| Format: | Thesis NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2013
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/128182/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=68517 |
Daftar Isi:
- The objective of this research is to determine and assess the judicial aspects can be used as reference for the debtor in this case the consumer that use the banking services to settle the non performing loan. Furthermore this research also intended to find and examine considerations owned by the creditor (BRI Branch Office Lumajang) that guarantees the rule of law against the debtor collateral that has no clear resolution or settlement in the eyes of the law and regulations. This research is use research method empirical juridical approach. Judicial approach used to analyze a variety of laws and regulations concerning bank credit agreements, guarantees and mortgage law. The empirical approach is used to analyze the law is seen as a pattern of behavior that people in public life are always interacting and relating the social aspect. Type of library research and field research. According to the research result, on the first auction there was no collateral sold. On the second auction only one collateral was sold, a land legally owned by Soelchan. The Effort has been made by debtor is request the bank to conduct the further auction to the remaining collateral, submit the written request to the bank to redeem the remaining collaterals, settle the remaining debt with the affordable amount by debtor. However in bank�s perspective, due to the case has been considered as Extrakomtabel revenue, bank wants the debtor sit down together to sell the collateral unofficially with the agreement so that a high price can be achieved, beside that bank prefer to expedite the settlement of newly bad debt, meaning less than two years and different policy between branch leadership which changing periodically within less than 1 year due to assignment changes makes another difficulties to the process of debt settlement. Therefore debtor party of Adli Sukamto cs, make an effort to get the certainty of the status of the collaterals to the BRI Lumajang branch by taking some communication to the bank�s leadership in order to get a possibility of redemption of the collateral with a certain value according to the debtor ability or submitting a written request to conduct auction in the future with the updated price.