Eksekusi penjualan lelang jaminan kredit macet Lembaga Perbankan oleh Pengadilan Negeri di Indonesia

SUHARJONO, Prof.Dr. Nindyo Pramono, SH.,MS

2007 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitian tentang Eksekusi Penjualan Lelang Jaminan Kredit Macet Lembaga Perbankan oleh Pengadilan Negeri di Indonesia, dilakukan dengan tujuan untuk mengetahui dan mencari jawaban tentang: bagaimana cara penentuan besarnya hutang debitur/nasabah terhadap kreditur/bank pada perjanjian kredit macet perbankan yang jaminan/agunannya dimohonkan eksekusi penjualan lelang di Pengadilan Negeri; bagaimana cara penentuan besarnya harga jaminan/agunan kredit macet perbankan yang dimohonkan eksekusi penjualan lelang di Pengadilan Negeri dan untuk mengetahui bagaimana akibat hukum eksekusi penjualan lelang jaminan/agunan kredit macet perbankan di Pengadilan Negeri bagi debitur/nasabah, kreditur/bank dan pemenang/pembeli lelang. Penelitian ini merupakan penelitian hukum normatif yang bersifat deskriptif. Bersifat deskriptif karena dari penelitian ini diharapkan dapat memperoleh data yang dapat menggambarkan secara jelas eksekusi penjualan lelang jaminan kredit macet perbankan oleh Pengadilan Negeri di Indonesia. Bersifat analitis karena dari data yang diperoleh dianalisis secara kualitatif. Data dalam penelitian ini meliputi data sekunder yang didukung dengan jenis penelitian lapangan dan data primer. Data sekunder diperoleh dari studi kepustakaan, data lapangan diperoleh melalui penelitian di Pengadilan Negeri Jepara, Pengadilan Negeri Sleman, Pengadilan Negeri Yogyakarta, Pengadilan Negeri Surakarta dan Pengadilan Negeri Jakarta Barat. Sedang data primer diperoleh melalui wawancara dengan para nasa sumber, dan pengumpulan dokumen-dokumen sehubungan eksekusi penjualan lelang jaminan kredit macet melalui Pengadilan Negeri. Lokasi penelitian dilakukan di Jepara, Sleman, Yogyakarta, Surakarta dan Jakarta Barat yaitu di Pengadilan Negeri Jepara, Pengadilan Negeri Sleman, Pengadilan Negeri Yogyakarta, Pengadilan Negeri Surakarta dan Pengadilan Negeri Jakarta Barat. Dari penelitian ini dapat diketahui tentang eksekusi penjualan lelang jaminan kredit macet lembaga perbankan di Pengadilan Negeri, khususnya bagaimana cara penentuan besarnya hutang debitur/nasabah terhadap kreditur/bank dan penentuan besarnya harga jaminan/agunan kredit macet perbankan di Pangadilan Negeri serta akibat hukum eksekusi penjualan lelang jaminan kredit macet perbankan di Pengadilan Negeri.

The research on the execution of auction sale for unpaid credits' collateral of banks by state court in Indonesia was conducted with the aim of discovering and looking for answers to questions, such as how to determine the number of customers' debts on banks on the banking unpaid credits agreements of which collateral was paid by auction at State Court, how to determine the number of collateral for unpaid creadit of which execution was conducted by auction at State Court and how to discover the legal consequences of execution of the auction sale for unpaid credits' collaterals of banks at State Courts for customers, bank and auction buyers. The research was normative and descriptive in nature. It was descriptive in that out of the research, data which vividly described the execution of auction sale for unpaid credits' collateral by State Court in Indonesia could be gathered. The analytical aspect could be seen from the data being analysed qualitatively. The data were secondary which were supported by field researches and primary data. The secondary data were collected from literature studies while field data were gathered through research in State Courts in Jepara, Sleman, Yogyakarta, Surakarta and West Jakarta. Primary data were obtained through interviews with resource persons as well as the collection of documents relating to the execution of auction sale for unpaid credits' collateral through State Courts. The locations of research were Jepara, Sleman, Yogyakarta, Surakarta and West Jakarta From the research, it can be known how to determine the number of collateral for unpaid creadit of which execution was conducted by auction at State Court and how to discover the legal consequences of execution of the auction sale for unpaid credits' collaterals of banks at State Courts for customers, bank and auction buyers.

Kata Kunci : Kredit Perbankan,Lelang Jaminan,Pengadilan Negeri, Execution of auction sale , collateral of unpaid banking credits and State Courts