PELAKSANAAN PEMBEBANAN HAK TANGGUNGAN ATAS TANAH SEBAGAI JAMINAN DALAM PERJANJIAN KREDIT PADA PT. BANK PERKREDITAN RAKYAT (BPR) BARINGIN PADANG PANJANG SAKATO KOTA PADANG PANJANG
Abstract: Financial
institutionscan beattributed to thebankthatthere are
manyinstitutionsinIndonesiathatcansupport theworldeconomy. One of the banking business is the provision
of credit facilities yag be met with either a guarantee of moving objects and
objects do not move like land governed by laws of mortgage (UUHT). In this
studythe authorsusedsocio legal researchmethodsusingsecondary dataandprimary dataorfield
dataderivedfrom interviewswiththe credit departmentatPT. Bank Perkreditan
Rakyat (BPR) BaringinPadangPanjangSakato the city Padang Panjang. From the
findings thatthe implementation ofthe provision of creditto theMortgagemustmeet
the administrative requirementsand conditionsset forthinanagreement. Begins
witha requestbythe prospectivedebtorthatcontainsadministrative
requirementsspecifiedby theBPR. The bankconducted a surveyandfinancial
analysisup tothe stage ofthe negotiations, as well as thelandas collateral.
Land certificatesthatcan be used ascollateralmustbe registereddeedgrantinga
security interest(APHT) tothe localland office. Afteralladministrative
requirementsare metthenthe banks willdotranches. Obstaclesin the implementation
ofsuchcreditcustomerdata submittedis incompleteandincorrect, the debtor's
businessis lessclear, insufficientcollateralandlack of transparencyof debtors.
Penulis: Disca Fitri Rahmi,
elyana novira, yofiza media
Kode Jurnal: jphukumdd151681
