Main Article Content

Abstract

Complex economic growth in Indonesia is increasingly needed to support people's lives, one of the method is through credit to channel funds from banks to the people. The credit granthing as the main agreement s a high risk action, so that a guarantee is required as an additional agreement for the legal protection of creditor. The process of implementing credit agreements does not always in the good way. However, legislation does not yet cover everything regarding explicit legal protection for resolving disputes that arise for various part inside and outside the credit agreement who are disadvantaged by the execution of mortgage guarantees due to bad credit. This research aims to find out the form of legal protection for owners of mortgage objects who do not provide approval in the credit agreement and the legal remedies that can be taken by owners of mortgage objects if they are harmed by a credit agreement and legal efforts that can be taken. The research method used in this writing is normative juridical with a statutory and conceptual approach. Data sources come from primary data and secondary data using library study data collection techniques. The resulting research is that legal protection has not been regulated explicitly and evenly for various part inside and outside the credit agreement who are harmed if the debitor breaches their contract resulting in bad credit with the execution of the mortgage guarantee, and the cancellation of the auction has not been clearly regulated if this has occurred. the process of executing the mortgage guarantee auction. Legal efforts that can be taken by the owner of the collateral object who suffers loss from the execution of the auction of mortgage collateral is by filed a resistance with the district court.

Keywords

Legal Protection Credit Agreements Mortgage Guarantees Legal Remedies

Article Details

References

  1. Muhamad Djumhana; Hukum Perbankan di Indonesia, Ctk. keenam. PT Citra Aditya Bakti, Bandung, 2012.
  2. Djoni S.Gazali dan Rachmadi Usman, Hukum Perbankan, Ctk. Pertama, Sinar Grafika, Jakarta, 2010.
  3. Ishaq, Penghantar Hukum Indonesia (PHI), Ed. 1, Ctk. Kedua, Rajawali Pers, Jakarta, 2015.
  4. Munir Fuady, Hukum Pengkreditan Kotemporer, Ctk. Kedua, PT Citra Aditya Bakti, Bandung, 2002.
  5. Neng Yani Nurhayani, Hukum Perdata, Pustaka Setia, ctk. Pertama, Bandung, 2015.
  6. Sahal Afhami, Hukum Perjanjian Kredit Reskontruksi Perjanjian Standaard Dalam Perjanjian Kredit di Indonesia, Ctk. Pertama, Phoenix Publisher, Sleman, 2019.
  7. Sutarno, Aspek-Aspek Hukum Perkreditan pada Bank, Ctk. Ketiga, Alfabeta, Bandung, 2005.
  8. Ratna Artha Windari, Hukum Perjanjian, Ctk. Pertama, Graha Ilmu, Yogyakarta, 2014.
  9. Riky Rustam, Hukum Jaminan, Ctk. Pertama, UII Press, Yogyakarta, 2017
  10. Peraturan Perundang-undangan
  11. Kitab Undang-Undang Hukum Perdata.
  12. Kitab Undang-Undang Hukum Pidana
  13. Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
  14. Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan atas Tanah Beserta Benda-Benda yang Berkaitan dengan Tanah.
  15. Undang-Undang Nomor 10 Tahun 1998 tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 tentang Perbankan.
  16. Undang-Undang Nomor 19 Tahun 2000 tentang Perubahan Atas Undang-Undang Nomor 19 Tahun 1997 Tentang Penagihan Pajak dengan Surat Paksa.
  17. Peraturan Menteri Keuangan Nomor 213 tahun 2020 tentang Petunjuk Pelaksaan Lelang.
  18. Putusan Perkara Nomor 24/Pdt.Bth/2021/PN Pwd.
  19. Putusan Perkara Nomor 15/Pdt/2022/PT SMG
  20. Ananda Putri Pratama et.al., “Perlindungan Hukum Pada Pihak Ketiga Sebagai Pemilik Objek Jaminan Hak Tanggungan,” Jurnal Ilmu Hukum, Volume 19, Nmor 2, Agustus 2023
  21. Dwi Nugrohandhini dan Etty Mulyati, “Akibat Hukum dan Perlawanan Terhadap Lelang Eksekusi Hak Tanggungan.” Jurnal Hukum Edisi No. 1., Vol. 4. Universitas Pandjajaran, 2019.
  22. Sukino, “Perlindungan Hukum Bagi Kreditor Dalam Perjanjian Kredit Dengan Jaminan Hak Tanggungan.” Jurnal Hukum Edisi No. 2., Vol. 5, Fakultas Hukum Universitas Riau, 2015.
  23. Pradnyawati dan I Nengah Laba, “Tinjauan Yuridis Mengenai Perlawanan Pihak Ketiga (Derden verzet) Terhadapy Putusan Verstek.” Jurnal Lingkungan dan Pembangunan Edisi No. 1., Vol. 2, Fakultas Hukum Universitas Waemadewa, 2018.
  24. Zuhro Puspitasari, “Analisis Yuridis Perlindungan Hukum Bagi Nasabah Kredit Perbankan dari Penyalahgunaan Keadaan dalam Perjanjian Baku.” Terdapat dalam 827-Article Text-998-1-10-20150102.pdf.