PENYELESAIAN KREDIT MACET DI PT. BANK BUKOPIN, TBK CABANG SOLO MELALUI EKSEKUSI HAK TANGGUNGAN

DANANG CATUR WAHYU W, Feri Antoni, S.H.,M.Hum.

2015 | Tesis | S2 Hukum

Penelitian mengenai Penyelesaian Kredit Macet di PT. Bank Bukopin, Tbk Cabang Solo Melalui Eksekusi Hak Tanggungan ini bertujuan untuk mengetahui penyebab terjadinya kredit bermasalah pada PT. Bank Bukopin, Tbk Cabang Solo, mengetahui proses penyelesaian kredit macet melalui eksekusi Hak Tanggungan di PT. Bank Bukopin, Tbk Cabang Solo, dan untuk mengetahui kendala-kendala yang dihadapi dalam penyelesaian kredit macet melalui Eksekusi Hak Tanggungan di PT. Bank Bukopin, Tbk Cabang Solo. Metode penelitian yang digunakan penulis bersifat deskriptif empiris, yakni penelitian yang dilakukan penulis dengan cara menggambarkan atau menelaah fakta-fakta serta menganalisa peraturan perundang-undangan yang berlaku terhadap penyelesaian kredit macet melalui eksekusi hak tanggungan yang dilakukan oleh PT. Bank Bukopin, Tbk, Cabang Solo. Metode pendekatan yang dilakukan dalam penelitian ini adalah pendekatan yuridis normatif, yaitu pendekatan dengan cara melihat praktik penyelesaian kredit macet melalui eksekusi hak tanggungan pada PT. Bank Bukopin, Tbk Cabang Solo dan juga mengangkat penerapan hukum yang sedang berlaku mengenai peraturan perbankan, perkreditan dan jaminan. PT. Bank Bukopin, Tbk Cabang Solo dalam menjalankan usaha dibidang perkreditan berhadapan dengan munculnya kredit bermasalah. Faktorfaktor penyebab timbulnya kredit bermasalah ada dua, yakni faktor internal dan faktor eksternal dari PT. Bank Bukopin, Tbk Cabang Solo. Upaya yang dilakukan PT. Bank Bukopin, Tbk Cabang Solo dalam menyelesaikan kredit bermasalah tersebut adalah melalui non litigasi dan litigasi. Penyelesaian melalui litigasi terhadap kredit bermasalah yang telah menjadi kredit macet dilakukan oleh PT. Bank Bukopin, Tbk Cabang Solo dengan eksekusi hak tanggungan melalui Pengadilan Negeri. Namun dalam pelaksanaan eksekusi Hak Tanggungan melalui Pengadilan Negeri muncul kendala-kendala, yaitu adanya perlawanan dari pihak ketiga yang merasa memiliki kepentingan dengan obyek Hak Tanggungan dan perlawanan dari pihak termohon eksekusi sebagai upaya menghambat proses eksekusi hak tanggungan yang dilakukan oleh kreditur/bank. Kata kunci : Kredit Macet, Eksekusi Hak Tanggungan.

This research, a study case about the settlement of non performing loan in P.T. Bank Bukopin, Tbk Solo branch through the land mortgage execution, aimed to discover what caused the existence of non performing loan in P.T. Bank Bukopin, Tbk, Solo branch, how was the procedure on the settlement of non performing loan in P.T. Bank Bukopin, Tbk, Solo branch through the land mortgage execution, and what are the problems on the settlement of non performing loan in P.T. Bank Bukopin, Tbk, Solo branch through the land mortgage execution. The research method that the researchers use is descriptive empiric. It means researchers describe or explore the facts about the problems and analyze the regulations due to the settlement of non performing loan through the executions of land mortgage which P.T. Bank Bukopin, Tbk, Solo Branch has taken. Scientific approach method that the researchers use is juridical-normative method, it means researcher obtain the fact through observing the process of the settlement of non performing loan through the executions of land mortgage which P.T. Bank Bukopin, Tbk, Solo branch have been through, and observing the applications of the banking, loan, and guarantee regulations due to the settlement process. On running the loan business, P.T. Bank Bukopin, Tbk Solo Branch sometimes found some problem such as non performing loan. The factors that caused non performing loan divided into two factors, which is internal factors and external factors from P.T. Bank Bukopin, Tbk Solo Branch. Moreover, the non performing loan should be overcome. The steps on dealing the non performing loan are by two options, non litigation and litigations. Through the litigations process, P.T. Bank Bukopin, Tbk Solo Branch uses the land mortgage execution by the district court. The process on executing the non performing loan by the district court, there were several problems, such as the complain and reactions from the third party that claimed have the rights of the land mortgage objects and claims from the execution defendant. Those problems exist in order to slow down the execution land mortgage process by the creditor/the bank. Key word: non performing loan, land mortgage execution

Kata Kunci : Kredit Macet, Eksekusi Hak Tanggunga; non performing loan, land mortgage execution