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Title: Pelaksanaan Pembebanan Hak Tanggungan Atas Tanah Sebagai Jaminan Kredit Pada PT. Bank Dipo Internasional Cabang Medan
Authors: Soekendar, Marcel
Advisors: Kamello, Tan
Jusuf, Chairani Bustami
Dalimunthe, Chadidjah
Issue Date: 10-May-2011
Abstract: The loan given by the Bank is the funds which have been gathered from people so that the Bank should be very cautious in giving the loan. In this case, the Bank will ask the land, for example, as the hypothecation, according to UUHT; the Bank, therefore, will have the executing rights and the preferential rights toward the debtors. In reality, the execution of the hypothecation is not always easy, especially which deals with executor copy and promissory note; moreover, there will be an objection/verzet from the debtors in the courts so that the execution will take a long time. Accordingly, there will be a problem of legal protection on both the creditors and the debtors in the guarantee of credit, based on UUHT and the implementation of APHT at Bank Dipo Internasional, Medan branch, as well as restraint in the execution process. The type of the research was descriptive analytic with judicial normat ive method which meant that the approach to a certain problem was by looking at the legal provisions (especially Act Number 4, 1996 about Hypothecation), the documents, and various theories concerning the hypothecation and by doing interviews to the designated respondents. The result of the research showed that the legal protection for the hypothecation in UUHT to the creditors was only administrative protection;, that is, the publicity principle after having been registered in the Land Office notified that the creditor had the preferential rights (Article 13 UUHT). Meanwhile, the legal protection to the debtors – the possibility of doing the partial cancellation as the deviation of indivisible principle and also the provision of SKMHT and APHT, the agreement which restricted the first holder of hypothecation to sell the object of hypothecation by himself, according to Article 6 and Article 11, Paragraph (2), Character e, or the agreement to authorize the creditors to own the object of hypothecation when the debtors defaulted was legally null and void (Article 12). The implementation of APHT at PT. Bank Dipo Internasional, Medan branch, was as follows: first, the credit agreement before the Notary contained the agreement that the debtors gave the hypothecation before the PPAT official as the guarantee to pay off the debts. Secondly, the implementation of APHT should be based on Article 11 UUHT before the PPAT official or should be done by the creditors based on SKHMT from the debtors and registered in the Land Office. Meanwhile, the restriction in the execution of the hypothecation would take a long time and face the objection/verzet, the objects would be difficult to sell due to the shortage of the interested persons to buy them , and the debtors usually requested for cancellation of auction in the court. Moreover, although the clearing out of the object after the auction process was done in the private Auction Hall, the creditors should ask the notification letter from KPKNL to request the fiat from the District Court. It was recommended that the Bank/Creditor should pay attention to the agreements in implementing one or more hypothecations to the preferential rights. The Head of Land Office should accelerate the process of requesting the land rights which did not have certificates so that the creditors could implement APHT before SKMHT had expired. It should be a legal certainty for requesting the execution of clearing out the object, based on the private Auction Hall which had to be done through KPKNL; this should be done by the auction winner through the Bank/creditors, based on the auction letter.
Abstract (other language): Kredit yang diberikan oleh Bank adalah dana yang dihimpun dari masyarakat, sehingga salah satu bentuk kehati-hatian bank dalam pemberian kredit adalah pengikatan jaminan kebendaan seperti tanah yang diikat Hak Tanggungan sesuai UUHT, sehingga Bank mempunyai hak eksekutorial dan hak preferent dari kreditur-kreditur lainnya. Pada kenyataannya eksekusi Hak Tanggungan tidak mudah terutama yang berdasarkan grosse akta dan surat pengakuan hutang, kemudian juga terjadi perlawanan/verzet dari debitur melalui Pengadilan Negeri sehingga eksekusi jaminan memakan waktu yang lama. Oleh karena itu menjadi permasalahan tentang perlindungan hukum terhadap kreditur dan debitur dalam perjanjian jaminan kredit berdasarkan UUHT, dan tentang pelaksanaan APHT pada Bank Dipo Internasional Cabang Medan serta hambatan yang ditemui dalam eksekusi Hak Tanggungan. Sifat penelitian adalah deskriptif analitis, dengan metode pendekatan yuridis normatif, yaitu mengadakan pendekatan terhadap masalah dengan cara melihat peraturan yang berlaku (khususnya UU No.4 Tahun 1996 tentang Hak Tanggungan), dokumen dan berbagai teori yang terkait dengan hak tanggungan, serta melakukan wawancara kepada responden yang telah ditentukan. Hasil penelitian menunjukkan perlindungan hukum hak tanggungan dalam UUHT terhadap kreditur adalah perlindungan secara administratif, adanya asas publisitas setelah didaftarkan pada Kantor Pertanahan sebagai kreditur yang mempunyai hak preferen (Pasal 13 UUHT). Sedangkan perlindungan bagi debitur, adanya kemungkinan melakukan roya partial sebagai penyimpangan dari asas tidak dapat dibagi-bagi, juga ketentuan SKMHT dan APHT, janji yang dapat membatasi pemegang hak tanggungan pertama untuk menjual obyek hak tanggungan atas kekuasaan sendiri sesuai Pasal 6 dan Pasal 11 ayat (2) huruf e, ataupun janji yang memberikan kewenangan kreditur untuk memiliki obyek hak tanggungan apabila debitur cidera janji adalah batal demi hukum (Pasal 12). Pelaksanaan APHT di PT. Bank Dipo Internasional Cabang Medan, yaitu: pertama, pengikatan perjanjian kredit atau perjanjian utang di hadapan Notaris yang salah satu pasalnya disepakati janji debitor memberikan hak tanggungan yang diikat di hadapan PPAT sebagai jaminan pelunasan hutang. Kedua, pembuatan APHT sesuai Pasal 11 UUHT dihadapan PPAT atau dilakukan kreditur atas dasar SKHMT dari debitur, dan didaftarkan pada kantor pertanahan. Sedangkan hambatan dalam eksekusi hak tanggungan adalah lama waktu penyelesaian, timbulnya perlawanan/verzet, barang sulit dijual karena kurang peminat, serta permohonan penangguhan lelang dari debitur melalui Pengadilan Negeri. Selain itu dalam hal pengosongan objek hasil lelang pada Balai Lelang swasta walaupun sudah ada risalah lelang tetapi harus meminta surat keterangan dari KPKNL sebagai dasar memohon fiat Ketua Pengadilan Negeri. Disarankan kepada bank/kreditur memperhatikan janji-janji dalam pengikatan lebih dari satu hak tanggungan karena berkonsekuensi terhadap hak preferen. Kepada Kantor Pertanahan agar dapat mempercepat proses permohonan hak tanah yang belum bersertifikat, sehingga kreditur dapat membuat APHT sebelum SKMHT kedaluarsa. Kemudian, perlu dilakukan ketegasan hukum permohonan eksekusi pengosongan atas lelang Balai Lelang swasta yang harus melalui KPKNL, semestinya dapat dilakukan oleh pemenang lelang melalui bank/kreditur atas dasar risalah lelang.
Keywords: Guarantee of Credit
Hypothecation
URI: http://repository.usu.ac.id/handle/123456789/23964
Appears in Collections:MT - Kenotariatan

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Cover.pdfCover510.71 kBAdobe PDFView/Open
Abstract.pdfAbstract247.54 kBAdobe PDFView/Open
Chapter I.pdfChapter I310.96 kBAdobe PDFView/Open
Chapter II.pdfChapter II325.22 kBAdobe PDFView/Open
Chapter III-V.pdfChapter III-V385.72 kBAdobe PDFView/Open
Reference.pdfReference246.48 kBAdobe PDFView/Open
 

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