WEWENANG KREDITUR MENJUAL BENDA JAMINAN HAK TANGGUNGAN DALAM HAL DEBITUR WANPRESTASI

Abstract

ABSTRACT

The creditor's authority to sell collateral. The debtor's mortgage rights in the event of default, the creditor sells the collateral, but the bank carries out a review of the rights and obligations of the parties such as whether the debtor carries out his obligations as a debtor who is bound by the agreement. The formulation of the problem discussed is what is the creditor's authority to sell the debtor's collateral if the debtor is in default according to law number 4 of 1996 concerning mortgage rights and how to carry out the execution of mortgage rights on the collateral of debtors who are in default. The type of research is empirical juridical using a sociological juridical approach, which is aimed directly at the research location, types, techniques using qualitative descriptive methods. Simplifies that the creditor has the authority to sell the debtor's collateral if the debtor defaults based on Article 6 of the Mortgage Rights Law and the implementation of the execution of mortgage rights on the collateral of debtors who are in default based on Minister of Finance Regulation Number 213/PMK/2020 concerning Implementation of Auctions.

Keywords: Creditor Authority, Mortgage right, Default

 

ABSTRAK

Wewenang kreditur menjual benda jaminan Hak tanggungan debitur bilangan wanprestasi, kreditur melakukan penjualan terhadap barang jaminan Hak tanggungan melainkan pihak Bank melakukan peninjauan terhadap hak dan kewajiban para pihak dalam hal apakah debitur melakukan kewajibannya sebagai debitur yang telah terikat perjanjian. Rumusan masalah yang dibahas adalah apa wewenang kreditur menjual barang jaminan debitur prihal debitur wanprestasi menurut undang-undang nomor 4 tahun 1996 tentang hak tanggungan dan bagaimana pelaksanaan eksekusi hak tanggungan terhadap barang jaminan debitur yang wanprestasi. Jenis penelitiannya yuridis empiris dengan menggunakan pendekatan yuridis sosiologis, yang di tujukan langsung lokasi penelitian, sumber data menggunakan wawancara terhadap responden, teknik analisis data dengan cara deskriptif kualitaif. Menyimplkan bahwa wewenang kreditur menjual barang jaminan debitur prihal debitur wanprestasi berdasarkan Pasal 6 Undang-undang Hak Tanggungan dan pelaksanaan eksekusi hak tanggungan terhadap barang jaminan debitur yang wanprestasi berdasarkan Persturan Mentri Keuangan Nomor 213/PMK/2020 Tentang Pelaksanaan Lelang.

Kata Kunci : Wewenang Kreeditur, Hak Tanggungan, Wanprestasi