Kedudukan Bank Perkreditan Rakyat Mengambil Alih Agunan Kredit Macet Melalui Lelang Atau Diluar Lelang

Siti Romlah; I Nyoman Putu Budiartha; I Made Aditya Mantara Putra

doi:10.55637/juinhum.4.1.5806.62-67

Siti Romlah Fakultas Hukum, Universitas Warmadewa, Bali, Indonesia
I Nyoman Putu Budiartha Fakultas Hukum, Universitas Warmadewa, Bali, Indonesia
I Made Aditya Mantara Putra Fakultas Hukum, Universitas Warmadewa, Bali, Indonesia

DOI: https://doi.org/10.55637/juinhum.4.1.5806.62-67

Abstract

Banks providing credit do not want non-performing loans, banks take preventive measures to prevent non-performing loans. Bank's efforts to settle non-performing loans by taking over the collateral for bad loans, either partially or wholly based on Article 12A paragraph (1) of the Banking Law. The purpose of the study was to determine the position of BPRs taking over bad credit collateral through auctions or outside auctions. The type of research is normative legal research with a statutory and conceptual approach. Legal materials consist of primary, secondary and tertiary legal materials, the collection of which is by literature study. Analysis with descriptive techniques, evaluation and argumentation. The results show that the position of BPR is not entitled to take over collateral either partially or completely through auction or outside the auction, the Banking Law only gives authority to Commercial Banks and legal consequences for BPRs that take over bad credit collateral through auction or outside the auction after the decision after the decision of the Constitutional Court no. 102/PUU-XVIII/2020 as referred to in Article 12 A paragraph 1 of the Banking Law which has been declared to have no binding legal force or is no longer valid, so that the authority of BPR is equal to that of Commercial Banks which can take over the collateral, either partially or completely, as collateral for bad loans. a form of equalization and legal protection for BPRs in carrying out banking activities

References

Asshiddiqie, J. (2012). Hukum Acara Pengujian Undang-Undang. Jakarta: Sinar Grafika.

Bachtiar. (2015). Problematika Implementasi Putusan Mahkamah Konstitusi Pada Pengujian Undang-Undang Terhadap Undang-Undang Dasar. Jakarta: Raih Aksa Sukses.

Daerah, S. D. P. R. (2016). Naskah Akademik Rancangan Peraturan Daerah Kota Semarang tentanga Pembentukan Bank Perkreditan Rakyat Syariah. Semarang: CV Integrated Consultants.

Hermansyah. (2009). Edisi Revisi Hukum Perbankan Indonesia. Jakarta: Kencana.

I Gusti Bagus Suryawan, Putu Suantara, Ketut Adi Wirawan, I. M. A. M. P. (2019). Naskah Akademikrancangan Peraturan Daerah Kabupaten Bangle Perubahan Bentuk Badan Hukum Perusahaan Daerah Bank Perkreditan Rakyat Bank Pasar Kabupaten Bangli Menjadi Perseroan Terbatas Bank Perkreditan Rakyat Bank Daerah Bangli. bangli.

I Nyoman Putu Budiartha, I Putu Suwantara, A.A Sagung Laksmi Dewi, Ni Made Puspasutari Ujianti, Desak Gde Dwi Arini, I. M. A. M. P. (2020). The Existence of the Sangeh Village Credit Institution (LPD) in Supporting the Village Community Economy. Bali.

Putra, I. M. A. M. (2020). Tanggungjawab Hukum Bank Terhadap Nasabah Dalam Hal Terjadinya Kegagalan Transaksi Pada Sistem Mobile Banking. Jurnal Kertha Wicaksana, Fakultas Hukum Universitas Warmadewa Denpasar, Bali.

Raharjo, S. (2000). Ilmu Hukum. Bandung: PT. Citra Aditya Bakti.

S. Gazali, D. dan R. U. (2010). Hukum Perbankan. Jakarta: Sinar Grafika.

Siahaan, M. (2011). Hukum Acara Mahkamah Konstitusi Republik Indonesia. Jakarta: Sinar Grafika.

Sutiyoso, B. (2006). Metodologi Research I. Yogyakarta: Anddi Ofsett.

Suyatno, T. (2007). Dasar-dasar Perkreditan, Edisi Ke IV. Jakarta: PT. Gramedia.