SUCIATI, ANITA (2021) TINJAUAN YURIDIS PERJANJIAN HUTANG PIUTANG SEBAGAI PERJANJIAN POKOK DENGAN JAMINAN HAK TANGGUNGAN. Undergraduate thesis, Universitas Stikubank.
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Abstract
PT. BPR Arto Moro Semarang sebagai pihak yang meminjamkan uang (kreditur) perlu mendapatkan jaminan sebagai syarat pinjaman yang akan diterima debitur dengan syarat memberikan bunga saat mengembalikan pinjaman tersebut. Tipe penelitian yang digunakan dalam penelitian ini adalah yuridis normatif. Penelitian yuridis, digunakan antara lain untuk menganalisis berbagai teori-teori hukum dan peraturan perundang-undangan terkait dengan tinjauan yuridis perjanjian hutang piutang sebagai perjanjian pokok dengan jaminan hak tenggungan pada PT. BPR Arto Moro Semarang. Yuridis artinya dalam penelitian ini menekankan pada ilmu hukum. Sedangkan normatif adalah penelitian ini menelaah kaidah-kaidah yang berlaku dalam masyarakat. Dengan demikian yuridis normatif adalah suatu pendekatan terhadap kajian permasalahan hukum dari aspek peraturan hukum yang berlaku. Tinjauan yuridis perjanjian hutang piutang sebagai perjanjian pokok dengan jaminan hak tanggunan di PT. BPR Arto Moro dalam pelaksanaannya sudah sesuai dengan peraturan perundang-undangan yang berlaku yaitu a. berdasarkan pasal 1754 KUHPerdata dimana kreditur dan debitur memahami bahwa perjanjian hutang piutang merupakan perjanjian pokok, b. berdasarkan pasal 1313 KUHPerdata, para pihak telah memenuhi syarat dengan minimal dua orang, c. berdasarkan pasal 1320 KUHPerdana telah sesuai dengan syarat sahnya perjanjian, d. unsur-unsur perjanjian telah sesuai, serta e. memenuhi asas-asas dalam perjanjian. Bentuk pengikatan hutang piutang sebagai perjanjian pokok dengan jaminan hak tangunggan terdapat hambatan pada tahun 2020 terdapat 8 debitur atau 1,5% dengan jaminan hak tanggungan dilakukan restrukturisasi menjadi plafond kredit baru melebihi nilai hak tanggungan, maka dikemudian hari apabila debitur tersebut mengalami wanprestasi, bank akan mengalami kerugian. Adapun upaya penyelesaian/solusi dalam Hak Tanggungan oleh pihak PT. BPR Arto Moro Semarang adalah dalam melakukan restrukturisasi perlu melihat kembali nilai hak tanggungannya, pihak bpr perlu memberikan informasi lebih awal terkait jumlah nominal tertentu yang perlu dipersiapkan oleh debitur agar debitur dapat memenuhi kewajibannya sehingga plafond baru setelah dilakukan konversi bunga dan biaya-biaya lain tidak melebihi nilai hak tanggungan. PT. BPR Arto Moro Semarang as the party that lends money (creditors) needs to get a guarantee as a condition for the loan that the debtor will receive on condition that he provides interest when repaying the loan. The type of research used in this research is normative juridical. Juridical research, is used, among other things, to analyze various legal theories and laws and regulations related to the juridical review of the accounts payable agreement as a principal agreement with guarantees of insurance rights at PT. BPR Arto Moro Semarang. Juridical means that this research emphasizes the science of law. Meanwhile, normative is this research that examines the rules that apply in society. Thus, normative juridical is an approach to the study of legal problems from the aspect of applicable legal regulations. A juridical review of the accounts payable agreement as a principal agreement with collateral rights at PT. In its implementation, BPR Arto Moro is in accordance with the prevailing laws and regulations, namely a. based on article 1754 of the Civil Code where creditors and debtors understand that the agreement for accounts payable is a principal agreement, b. based on article 1313 of the Civil Code, the parties have met the requirements with a minimum of two people, c. based on article 1320 of the Civil Code has been in accordance with the terms of the validity of the agreement, d. the elements of the agreement are in accordance, and e. fulfill the principles in the covenant. The form of binding of accounts payable as a principal agreement with guarantees of mortgage there is an obstacle in 2020 there are 8 debtors or 1.5% with guarantees that the mortgage is restructured into a new credit limit that exceeds the value of the mortgage, then in the future if the debtor experiences default the bank will experience loss. As for the settlement / solution in the Mortgage Rights by the PT. BPR Arto Moro Semarang is that in restructuring, it is necessary to review the value of the mortgage, the bpr needs to provide earlier information regarding a certain nominal amount that needs to be prepared by the debtor so that the debtor can fulfill his obligations so that the new ceiling after the conversion of interest and other costs does not exceed value of mortgage rights.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Additional Information: | NIM : 16.02.51.0016 SKR.II.05.01.0330 |
| Uncontrolled Keywords: | Perjanjian hutang piutang, perjanjian pokok, dan jaminan hak tanggungan Accounts payable agreement, principal agreement, and guarantee of mortgag |
| Subjects: | K Law > K Law (General) |
| Faculty / Institution: | Fakultas Hukum |
| Depositing User: | Teteh Hayati |
| Date Deposited: | 25 May 2021 05:00 |
| Last Modified: | 25 May 2021 05:00 |
| URI: | https://eprints.unisbank.ac.id/id/eprint/7701 |
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