Penjualan Obyek Hak Tanggungan secara Dibawah Tangan sebagai Upaya Penyelesaian Kredit Macet di Bank Rakyat Indonesia Cabang Pangkalpinang
JOHAN H.S., Ade, Prof.Dr. Nindyo Pramono, SH.,MS
2007 | Tesis | S2 Ilmu Hukum (Hukum Bisnis)Penelitian ini bertujuan untuk mengetahui faktor-faktor yang menyebabkan dilakukannya penjualan dibawah tangan atas obyek hak tanggungan dan untuk mengetahui pelaksanaan penjualan obyek hak tangungan secara di bawah tangan sebagai upaya dalam penyelesaian kredit macet. Penelitian ini menggunakan metode pendekatan yuridis normatif dan yuridis sosiologis dengan menggunakan 2 (dua) data yaitu data primer dan data sekunder. Data primer adalah data yang diperoleh dari wawancara dan data sekunder diperoleh melalui penelitian dengan menggunakan studi dokumen. Data yang sudah dievaluasi kemudian dianalisis secara kualitatif dan selanjutnya disusun dalam laporan yang berifat deskriptif. Dari hasil penelitian dapat disimpulkan sebagai berikut : faktor-faktor yang menyebabkan dilakukannya penjualan di bawah tangan atas obyek hak tanggungan adalah terlindunginya nama baik debitur, prosedurnya tidak rumit, benda jaminan cepat terjual dan hemat biaya dan pelaksanaan penjualan obyek hak tanggungan secara dibawah tangan sebagai upaya penyelesaian kredit macet adalah bank memberikan kesempatan kepada debitur untuk mencari sendiri pembeli dengan harga tertinggi tetapi sebelumnya bank turut menentukan harga dasar dari benda jaminan tersebut.
The subject matter and title of this thesis is regarding an annulment of the arbitration award in Indonesia based on Law Number 30 of 1999 on Arbitration and Alternative of Dispute Settlement (“Arbitration Lawâ€). In this thesis, there are 2 main legal issues that have been researched and studied. The first legal issue is the procedure for annulment of the award based on the Arbitration Law, and the second one is the application of Article 70 of the Arbitration Law as the ground for annulling the award. This research is a normative research that focuses on library research and is supported by a field research. The research shows that the Indonesian Courts’ jurisdiction to annul the award is limited to the national arbitration awards which have been registered with the relevant court. In many cases, the applicant who is seeking the annulment of the award named the parties who win the arbitration as the respondents or the co respondents. The District Court must render its decision within 30 days as of the registration of the application. This decision can be appealed to the Supreme Court, and must also be rendered within 30 days as of the appeal has been received. The procedure applies in the District Court’s proceeding is similar to the procedure law in the ordinary civil case, while, the Supreme Court employs the cassation procedure in the appeal stage. The grounds for annulling the award, as stipulated in Article 70 of the Arbitration Law, are not limitative in nature, thus, it should be reasonable to employ other grounds to annul the award. Nonetheless, the Indonesian Courts have not yet had a uniform view on the grounds that can be used to annul the award. Some of the Indonesian Courts’ decisions show that the grounds for annulling the award are limited to Article 70 of the Arbitration Law. On the other hand, some Indonesian Courts also stipulated that the grounds for annulling the award are not limited to Article 70 of the Arbitration Law.
Kata Kunci : Hukum Perbankan,Kredit Macet,Obyek Hak Tanggungan,Arbitration award – Annulment – Arbitration Law
