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Pelaksanaan Perjanjian Kredit Dengan Jaminan Hak Tanggungan (Studi Terhadap Proses Pengikatan Hak Tanggungan Di BPR Sejahtera Artha Sembada Pekalongan)

*Eli Durotun Nasiha  -  , Indonesia
Siti Malikhatun Badriyah  -  Fakultas Hukum, Universitas Diponegoro Semarang, Indonesia
Irma Cahyaningtyas  -  Fakultas Hukum, Universitas Diponegoro Semarang, Indonesia
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Abstract

Abstract

One of the services provided by a bank in serving the financing needs of their customers is credit activities. The provision of credit by a bank with the object of collateral in the form of land or objects related to the land is called Mortgage Rights. The purpose of this research is determine how the implementation of a credit agreement with guarantees of Mortgage Rights at BPR Sejahtera Artha Sembada Pekalongan, what obstacles arise and how are the solutions. The method is a sociological juridical approach that is descriptive analysis. The results of this research indicate that the imposition of mortgage guarantees must go through a credit application process, survey and appraisal, credit approval, and credit agreement. There are several obstacles in implementing the Mortgage Agreement at BPR Sejahtera Artha Sembada Pekalongan, but there are also solutions to overcome these obstacles. The conclusion of this research is that the Mortgage Agreement can always be implemented anywway as long as it qualified by the laws and regulations

Keywords : credit; collateral; mortgage right

Abstrak

Salah satu layanan yang diberikan bank untuk memenuhi kebutuhan pembiayaan nasabahnya yaitu kredit. Kredit dengan objek jaminan berupa tanah disebut Hak Tanggungan. Penelitian ini bertujuan untuk mengetahui bagaimana pelaksanaan pengikatan jaminan Hak Tanggungan di BPR Sejahtera Artha Sembada Pekalongan, serta apa saja hambatan yang timbul dan bagaimana solusinya.  Metode penelitian yang digunakan yaitu metode pendekatan yuridis sosiologis yang bersifat deskriptif analisis. Hasil penelitian ini menunjukkan bahwa pembebanan jaminan hak tanggungan harus melalui proses pengajuan permohonan kredit, survey dan apraissal, persetujuan kredit, dan akad kredit. Terdapat beberapa hambatan dalam pelaksanaan Perjanjian Hak Tanggungan di BPR Sejahtera Artha Sembada Pekalongan, namun ada pula solusi untuk mengatasi hambatan-hambatan tersebut. Kesimpulan penelitian ini adalah Perjanjian Hak Tanggungan akan tetap dapat dilaksanakan sepanjang memenuhi persyaratan dan dilakukan sesuai dengan peraturan perundang-undangan yang mengatur.

Kata kunci: kredit; jaminan; hak tanggungan

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Keywords: credit; collateral; mortgage right

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