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Perlindungan Hukum Bagi Kreditur terhadap Debitur yang Lalai dalam Perjanjian Kredit Perumahan di Bank BTN Cabang Pekanbaru (Studi Tahun 2021 Sampai Tahun 2023)

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Bank BTN is one of the banks that has credit facilities in the form of home purchase financing (KPR). In particular, Bank BTN has its own branding to the public as a bank that specifically provides financing for mortgages, especially for subsidized housing, so the number of mortgage debtors at Bank BTN is also quite large. . In general, non-performing credit is credit that can cause problems, not only for the bank as the credit granting institution, but also for customers who receive the credit, therefore somehow the credit must be resolved in various ways. If credit becomes non-performing credit, in the sense of being stuck, then it will also indirectly harm the people who own the funds. The word "problem" means the existence of a difficulty that requires solving or an obstacle that interferes with achieving goals or optimal performance. This research was conducted using a type of sociological legal research, namely research to determine the effectiveness of the law. The research was carried out by means of a survey, meaning that the author went directly to the location to obtain data using data collection tools in the form of interviews and questionnaires. This research is sociologically descriptive, namely research that aims to create a systematic, actual and accurate picture or event based on real facts and analyze the relationship with the symptoms being researched at Bank BTN Pekanbaru Branch (Study 2021 to 2023). Based on the research results, legal protection can be interpreted as providing a guarantee or certainty that someone will get what is their right and obligation, so that the person concerned feels safe. Legal protection is a form of guarantee that the rights and obligations of the parties are fulfilled. The current form of legal protection in the implementation of the transfer of receivables for home ownership loans to Bank BTN is preventive protection. Legal remedies for creditors against debtors who are negligent in the housing credit agreement at Bank BTN Pekanbaru Branch can be done by 1. Settlement through debt restructuring, 2. Settlement through Legal Institutions. Several efforts are more in the nature of using legal institutions, namely: Settlement of problem loans through PUPN/BUPLN Non-performing loans, especially non-performing loans at State-Owned Banks, are one of the forms categorized as State receivables, 3. Settlement of problematic loans through judicial bodies.

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Detail Information

Call Number

Hukum 382.9 Amr p

Language

Indonesia

NPM

201021079

Publisher

Ilmu Hukum : Universitas Islam Riau., 2024

Keyword(s)

Legal Protection
Creditors
Negligence
Debtors

Other Information

Petugas

Uthi Kurnia

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