Pembebanan kapal sebagai jaminan kredit di Kota Surabaya

JUNAEDI, Yahya, Purman Hidayat, S.H., M.Hum

2010 | Tesis | S2 Magister Kenotariatan

Penelitian ini bertujuan untuk mengetahui alasan beberapa bank di Kota Surabaya tidak mau memberikan kredit dengan jaminan kapal. Penelitian ini adalah penelitian hukum empiris, yaitu penelitian berdasarkan pelaksanaan dalam upaya memperoleh data primer didahului dengan penelitian kepustakaan untuk memperoleh data sekunder. Penelitian ini dilaksanakan di beberapa bank di Kota Surabaya (Bank Maspion, Bank Sinarmas, Bank Jatim, Bank Yudha Bhakti, Bank UIB, Bank Eksekutif, Bank BTPN dan BCA), perusahaan pelayaran dan INSA Kota Surabaya, dan keseluruhan data yang diperoleh dianalisis secara kualitatif. Hasil penelitian menunjukkan bahwa bank-bank di Kota Surabaya tidak mau memberikan kredit dengan jaminan kapal karena tidak mempunyai appraisal (tenaga ahli penilai) atau SDM yang dapat menangani kredit dengan jaminan kapal.

This study aims to determine why some banks in the Surabaya city do not want to give credit to the collateral vessels. This research is an empirical legal research, namely research on implementation in an effort to obtain primary data preceded by research libraries to obtain secondary data. The study was conducted at several banks in the Surabaya city (Maspion Bank, the Bank Sinarmas, Bank of East Java, Bhakti Yudha Bank, Bank UIB, Bank Executive, Bank BTPN and BCA), shipping companies and the INSA of Surabaya, and overall data obtained were analyzed qualitatively. The results showed that banks in Surabaya city did not want to give credit to the security of ships because they do not have appraisals or human resource development can not give credit to the collateral of ships.

Kata Kunci : Kredit, Jaminan Kredit, Hipotik Kapal, Loan, collateral loan, mortgage ship