Penyelesaian Wanprestasi dalam Perjanjian Kredit dengan Jaminan Hak Atas Tanah(Studi di Perusahaan Daerah BPR BKK Karangmalang Kabupaten Sragen Cabang Masaran)

Nurdiana, Retno Ajeng and , Septarina Budiwati, S.H., M.H., CN. (2018) Penyelesaian Wanprestasi dalam Perjanjian Kredit dengan Jaminan Hak Atas Tanah(Studi di Perusahaan Daerah BPR BKK Karangmalang Kabupaten Sragen Cabang Masaran). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This study aims to determine the steps undertaken by the PD. BPR BKK Karangmalang Sragen Branch Masaran in completing the credit problem or debtor who Default and whether the ways used are in accordance with those set in the Law on Banking and the Law of Rights Dependence. This research is a type of empirical legal research that is descriptive, that is looking for direct data of spaciousness, not enough just by collecting secondary data. Sources of data used are primary data and secondary data. Data collection techniques used are field study and literature study. Library study was conducted by observation and interview. Analysis of qualitative data with interactive data model. Based on this research, it is concluded that the process of the agreement of burden of mortgage in credit agreement in PD. BPR BKK Karangmalang of Sragen Regency of Masaran Branch is done through several stages, among others, stages of credit application, credit analysis, credit decision, credit approval stage, over the ground. Factors affecting default in credit agreements are due to the debtor's business is bankrupt, Performing achievements but not executed on time, Paying debt is not in accordance with the supposed to be paid and Because no money to pay it. Solution to overcome the occurrence of default the PD. BPR BKK Karangmalang Sragen regency Masaran Branch forward the principle of kinship and credit administration. To the debtor who is not smooth in paying the installment the bank will do the billing directly. If the debtor does not make installment payments for 6 months or includes a doubtful debtor it will be given warning letters I, II, and, III. If the debtor for more than 6 months does not make a payment then the bank will give a warning letter and make a negotiation effort but if the effort fails it will be a litigation effort.

Item Type: Thesis (Skripsi)
Uncontrolled Keywords: Credit Agreement, Default, Land Rights
Subjects: K Law > K Law (General)
Divisions: Fakultas Hukum > Hukum
Depositing User: RETNO AJENG NURDIANA
Date Deposited: 15 Mar 2018 08:32
Last Modified: 15 Mar 2018 08:32
URI: http://eprints.ums.ac.id/id/eprint/60556

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