PERLINDUNGAN HUKUM PEMEGANG HAK TANGGUNGAN TERHADAP GUGATAN/PERLAWANAN DALAM EKSEKUSI HAK TANGGUNGAN

JURNAL MAHASISWA S2 HUKUM UNTAN MUHAMMAD TAHIR, S.H. NPM.A2021131053

Abstract


ABSTRAK

Pemasangan Hak Tanggungan terhadap jaminan debitur berupa tanah, diharapkan dapat memberikan perlindungan kepada kreditur, jika suatu saat debitur cidera janji. Tetapi faktanya sering terjadi perlawanan atau gugatan dari pihak debitur atau pemilik jaminan guna menghambat pelaksanaan eksekusi, demikian pula dengan kredit macet yang terjadi pada PT. Bank Mega, Tbk, berdasarkan kondisi tersebut memecahkan permasalahan bagaimana perlindungan hukum dan bagaimana upaya penyelesaian kredit macet apabila terdapat gugatan atau perlawanan dalam eksekusi hak tanggungan. Jenis penelitian menggunakan penelitian hukum normatif, pendekatan penelitian terdiri dari pendekatan perundang-undangan dan kasus. Serta teknik analisis yang digunakan adalah teknik deskriptif analitis. Hasil penelitian penyelesaian kredit macet perbankan dapat diupayakan melalui penyelamatan dan penyelesaian kredit macet, bentuk perlindungan hukum yang diberikan oleh undang-undang hak tanggungan dan perlindungan hukum berdasarkan kontraktual, serta upaya penyelesaian kredit macet terhadap gugatan dan perlawanan dalam pelaksanaan eksekusi ditempuh melalui proses beracara di pegadilan dan diluar pengadilan.

 

Kata Kunci        :       Perlindungan Hukum, Kredit Macet, dan Hak Tanggungan

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

ABSTRACT

Installation of Insurance Rights to the debtor's guarantee in the form of land, is expected to provide protection to the creditor, if at any time the debtor has an injury to the pledge. But the fact is often the resistance or lawsuit of the debtor or the owner of the guarantee to impede the execution, as well as bad debts that occurred at PT. Bank Mega, Tbk, based on these conditions solve the problem of how the legal protection and how the settlement of bad loans if there is a lawsuit or resistance in the execution of mortgages. The type of research using normative legal research, the research approach consists of the approach of legislation and cases. And analytical technique used is descriptive analytical technique. The result of the research of settlement of bad credit banking can be pursued through rescue and settlement of bad debts, the form of legal protection provided by the law of mortgage and legal protection based on contractual, and effort of settlement of bad credit against lawsuit and resistance in executing execution pursued through process of law in court And outside the court.

 

Keywords       : Legal Protection, Bad Debts, and Deposit Rights

 

 


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Diterbitkan Oleh: Program Magister Hukum Universitas Tanjungpura

ISSN: 0216-2091