Penelitian ini bertujuan untuk mengetahui dan mengkaji bagaimana kepastian hukum eksekusi Hak Tanggungan berupa tanah dan bangunan akibat dari kredit macet pada PT. Bank Nusa Tenggara Barat Cabang Sumbawa dan bagaimana perlindungan hukum bagi pemegang Hak Tanggungan jika eksekusi Hak Tanggungan yang telah dilaksanakan berdasarkan parate eksekusi digugat oleh pemberi Hak Tanggungan. Penelitian ini menggunakan metode penelitian yuridis empirisyaitumeneliti data primer dan data sekunder.Data primer yang didapatkan melalui wawancara dengan responden yaitu staf penyelamatan kredit PT. Bank Nusa Tenggara Barat Cabang Sumbawa. Data sekunder adalah data yang didapat melalui studi pustakayang terdiri dari bahan hukum primer berupa peraturan perundang-undangan, bahan hukum sekunder berupa literatur yang berkaitan. Hasil penelitian menunjukkan bahwaBank Nusa Tenggara BaratCabang Sumbawa telah melaksanakan eksekusi objek Hak Tanggungan berdasarkan parate eksekusi. Pada pelaksanaan eksekusi tersebut melalui pelelangan umum di Kantor KPKNL. Sehingga dapat disimpulkan bahwa eksekusi hak tanggungan berdasarkan parate eksekusi telah terjamin kepastian hukumnya baik dalam tataran norma hukum maupun pelaksanaanya. Mengenai perlindungan hukum, putusan Pengadilan Negeri Sumbawa Besar nomor : 31/PDT.G/2013/PN.SBB tanggal 19 Juni 2014 memutuskan menolak gugatan penggugat untuk seluruhnya. Berdasarkan putusan tersebut Pasal 6 UUHT sebagai pedoman pelaksanaan lelang dengan cara parate executie dan Pasal 3 Peraturan Menteri Keuangan Nomor : 93/PMK.06/2010 tentang Petunjuk pelaksanaan lelang telah memberikan perlindungan hukum kepada kreditur sepanjang kreditur melaksanakan aturanaturan yang terdapat didalam kedua peraturan tersebut.

This study was to understand and review what is legal certainty of execution against Rights to Guarantees such as land and building as result of nonperforming loan in PT. Bank West Nusa Tenggara, the Branch of Sumbawa, and what is legal protection for the holder of Guarantee Rights if the execution of Guarantee Rights done based on parate executie claimed by the giver of the Guarantee Rights. This study used empirical-juridical study method, namely study using primary and secondary data. Primary data are collected by interview with respondent, namely, staff of non-performing loan salvage of PT. Bank West Nusa Tenggara, the Branch of Sumbawa. Secondary data are data which were collected by study of literatures consisting of primary law materials such as regulations, and secondary law materials such as releva nt literatures. The results of study indicate that the PT. Bank West Nusa Tenggara, Branch of Sumbawa, had executed object of Guarantee Rights based on parate executie. The execution was conducted through public auction in the Office of KPKNL. So that it can be concluded that the execution of Guarantee Rights based on parate executie has legal certainty in both legal norms and implementations. In terms of legal protection, verdict of District Court of Sumbawa Besar Number : 31/PDT.G/2013/PN.SBB dated 19th June 2014 decided to reject the claimer’s claim completely. Based on the verdict, Article 6 of UUHT as auction implementation guideline using parate executie, and Article 3 of Rule of Financial Minister Number : 93/PMK.06/2010 on Instructions of auction implementation had given legal protection to creditor as far as the creditor complies with rules included in both regulations.

Kata Kunci : Hak Tanggungan, Parate executie, Perlindungan hukum