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Abstract
One of the government's policies in the banking world is the implementation of credit provision which carries a risk of failure or congestion in credit repayment. To anticipate these risks, guarantees are needed. In banking practice, the issue of collateral is important because collateral is protection for creditors such as banks and is a form of the debtor's seriousness in fulfilling his obligations in repaying credit. The use of land as collateral for credit is based on the consideration that land is the safest and has relatively high economic value and can be tied to mortgage rights and clear and certain execution so that the funds that have been spent can immediately be returned to the creditor (bank), and these funds can be used in turnover. economic wheels. However, in practice, all the conveniences and advantages of the Mortgage Rights execution process based on Article 6 of the Mortgage Rights Law cannot always be utilized by banks as an alternative for resolving problem loans guaranteed by Mortgage Rights. There are many problematic factors that cause the mortgage rights execution process to not run as it should. The factors of this problem include various things, including the incompatibility of the legal substance of the Mortgage Rights Law which regulates the mortgage rights execution process itself, the actions and paradigms of law enforcement officials, as well as the legal culture that exists in society, including the paradigm of the debtor as the executed party. Mortgage right. This research aims to examine and analyze the process of executing Mortgage Rights in court and the considerations of the Panel of Judges in deciding the case. From the research results, it can be stated that the basis used by the judge in deciding the case is in accordance with the applicable regulations, however, in resolving bad credit itself, it would be better if you used the 3R alternative (rescheduling, reconditioning, restructuring) before carrying out the mortgage rights execution process. which then ends up in court or through judicial channels.
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DOI: https://doi.org/10.30649/jhek.v2i1.38Sappe, S., Latturete, A. I., dan Uktolseja, N, Hak Pakai Atas Tanah Hak Milik dan Penyelesaian Sengketa, Batulis Civil Law Review, 2 (1), 2021
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Yordan Demesky, “Pelaksanaan Parate Eksekusi Hak Tanggungan Sebagai Alternatif Penyelesaian Kredit Bermasalah di PT Bank Permata TBK”, (Tesis S2 Fakultas Hukum, Universitas Indonesia, 2011
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References
Andrian Sutedi, 2012, Hukum Hak Tanggungan, Jakarta, Sinar Grafika
Badriyah Harun, Penyelesaian Sengketa Kredit Bermasalah, Pustaka Yustisia, Yogyakarta, 2010
Boedi Harsono, Hukum Agraria Indonesia, Sejarah Pembentukan Undang-Undang Pokok Agraria, Isi dan Pelaksanaannya, Hukum Tanah Nasional, Jakarta: Djambatan, 2002
Enny Agustina, Kajian Yuridis Program Penerbitan Sertipikat Hak Atas Tanah Elektronik, Jurnal Sekolah Tinggi Ilmu Hukum Pertiba Pangkalpinang Solusi , ISSN Print 0216-9835; ISSN Online 2597-680X Volume 19 Nomor 3, Bulan September 2021
Harsono Boedi, 2005, Hukum Agraria Indonesia, Jakarta, Djambatan
H. Riduan Syahrani, Buku Materi Dasar Hukum Acara Perdata, Bandung: PT. Citra Aditya Bakti, 2004
H. Salim HS, 2005, Perkembagan Hukum Jaminan Indonesia, jakarta, Raja Grafindo Persada
Iswi Hariyani, Restrukturisasi dan Penghapusan Kredit Macet, Gramedia, Jakarta, 2010
Malayu S. P. Hasibuan, Dasar-Dasar Perbankan, PT. Bumi Aksara, Jakarta, 2008
Ratih, N. R., Analisis Yuridis Sertifikat Tanah Hak Milik Elektronik (E-Certificate) Demi Mewujudkan Kepastian Hukum. SIGNIFIKAN, 2(4), 2021
Refialy, L., Sediyono, E., & Setiawan, A., Pengamanan sertifikat tanah digital menggunakan digital signature SHA-512 dan RSA. Jurnal Teknik Informatika dan Sistem Informasi, 1(3), 2015
DOI: https://doi.org/10.28932/jutisi.v1i3.400Risty Dwi R. dan Shella A., Tinjauan Yuridis Kekuatan Hukum Sertipikat Tanah Elektronik Berdasarkan Peraturan Menteri Agraria dan Tata Ruang Nomor 1 Tahun 2021, Jurnal Hukum dan Etika Kesehatan Vol.2 No.1 Maret 2022
DOI: https://doi.org/10.30649/jhek.v2i1.38Sappe, S., Latturete, A. I., dan Uktolseja, N, Hak Pakai Atas Tanah Hak Milik dan Penyelesaian Sengketa, Batulis Civil Law Review, 2 (1), 2021
Subekti, Jaminan-Jaminan Untuk Pemberian Kredit Menurut Hukum Indonesia, Alumni, 1978
ST. Remy Sjahdeni, Hak Tanggungan, Asas-Asas, Ketentuan-Ketentuan Pokok dan Masalah yang Dihadapi Oleh Perbankan (Suatu Kajian Mengenai Undang-Undang Hak Tanggungan), (Bandung: Alumni, 1999),
Yordan Demesky, “Pelaksanaan Parate Eksekusi Hak Tanggungan Sebagai Alternatif Penyelesaian Kredit Bermasalah di PT Bank Permata TBK”, (Tesis S2 Fakultas Hukum, Universitas Indonesia, 2011
Yulies Tiena Masriani, Pentingnya Kepemilikan Sertifikat Tanah Melalui Pendaftaran Tanah Sebagai Bukti Hak, Jurnal USM Law Review Vol 5 No 2 Tahun 2022
Try Widiyono, Aspek Hukum Operasional Transaksi Produk Perbankan Di Indonesia, Ghalia Indonesia, Jakarta, 2006