Analisis Yuridis Penyelesaian Kredit Bermasalah Dalam Perjanjian Dengan Jaminan Hak Tanggungan (Studi Putusan Nomor 38/Pdt.G.S/2025/PN.Wng)

Fernanda, Oktavia Trisna and , Indah Maulani, S.H., М.Н. (2026) Analisis Yuridis Penyelesaian Kredit Bermasalah Dalam Perjanjian Dengan Jaminan Hak Tanggungan (Studi Putusan Nomor 38/Pdt.G.S/2025/PN.Wng). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

This research is motivated by the existence of problem loans in credit agreements secured by mortgages, a form of collateral that provides legal protection for creditors. In practice, the resolution of problem loans often gives rise to legal issues, particularly when debtors fail to fulfill their obligations as agreed. This issue is evident in Decision Number 38/Pdt.G.S/2025/PN.Wng, the subject of this research. This research aims to analyze the legal provisions regarding the resolution of problem loans in credit agreements secured by mortgages and the procedures for enforcing mortgages based on this decision. The research method used is normative legal research with a statute approach and a case approach. The data used is secondary data obtained through a literature review and analyzed qualitatively. The results of the study indicate that the settlement of problem loans in Decision Number 38/Pdt.G.S/2025/PN.Wng is based on the provisions of the Civil Code, specifically Article 1238 concerning default and Article 1338 concerning the binding force of agreements, as well as Law Number 4 of 1996 concerning Mortgage Rights. The judge stated that the debtor had committed a default because he did not fulfill his obligations according to the credit agreement. The procedure for implementing the execution of mortgage rights begins with the existence of a default, the issuance of a warning, the filing of a simple lawsuit based on Supreme Court Regulation Number 4 of 2019, until a court decision that provides a legal basis for the implementation of execution through a public auction if the debtor does not fulfill his obligations voluntarily. This implementation provides legal certainty in the settlement of problem loans secured by mortgage rights.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	Kredit Bermasalah, Perjanjian Kredit, Hak Tanggungan, Wanprestasi, Eksekusi Hak Tanggungan.
Subjects:	K Law > Indonesia Law > Perangkat Hukum > Pengadilan K Law > Indonesia Law
Divisions:	Fakultas Hukum > S1 Ilmu Hukum
Depositing User:	OKTAVIA TRISNA FERNANDA
Date Deposited:	25 Jun 2026 02:08
Last Modified:	25 Jun 2026 02:08
URI:	http://eprints.ums.ac.id/id/eprint/145870

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