Rachmawati, Dwi Ayu (2016) Pertimbangan Bank Dalam Memberikan Kredit Mikro Dengan Jaminan Hak Atas Tanah Tanpa Dibebani Hak Tanggungan (Studi Pt. Bank Rakyat Indonesia Unit Sulfat, Malang). Sarjana thesis, Universitas Brawijaya.
Abstract
Dalam skripsi ini penulis membahas mengenai pertimbangan bank dalam memberikan kredit mikro dengan jaminan hak atas tanah tanpa dibebani hak tanggungan. Hal ini dilatarbelakangi adanya kredit berrnasalah yang terjadi di PT. BRI Unit Sulfat dengan menggunakan jaminan berupa Hak Atas Tanah Tanpa dibebani Hak Tanggungan, hal ini bertentangan dengan Undang-Undang Hak Tanggungan pasal 13 yang menyebutkan bahwa Hak Tanggungan wajib didaftarkan pada kantor pertanahan sebagai syarat mutlak lahirnya hak tanggungan dan tnengikatnya kepada pihak ketiga. Selain itu juga dibahas mengenaihambatan yang dihadapi bank dalampenyelesaiannyasertaupaya yang dilakukan o le h bank dalam mcnye les a ika n kredit bermasalah. Tujuan penelitian ini ditujukan bagi mahasiswa hukum sebagai referensi dan nijukan mengenai pertimbangan bank dalam memberikan kredit mikro dengan jaminan hak atas tanah tanpa dibebani hak tanggungan. Skripsi ini menggunakan metode penelitian empiris denganpendekatan yang digunakan adalah yuridis sosiologis. Dari pembahasan ini didapatkan jawaban, bahwa terdapat pertimbangan yuridis dan non-yuridis yang mendasari bank dalam memberikan kredit dengan jaminan Hak Atas Tanah tanpa dibebani Hak Tanggungan. Hambatan yang dihadapi yakni debitur yang tidak kooperatif. Kemudian tindakan penyelesaian kredit yang dilakukan adalah dengan melakukan upaya penyelesaian melalui organisasi intern bank.
English Abstract
In this thesis, the writer discusses about the consideration of a bank in granting micro credit with the freehold title of land as the guarantee without necessarily being burdened more by land mortgage. The background of this thesis is the case of problematic credit in PT. BRI of SulfatUnit which implement having freehold title of land as the guarantee without necessarily being burdened more by land mortgage that is not in line with the Act of Land Mortgage in article 13 which mentions that Land Mortgage is ought to be registered to the Land Office in order to Mill the conditions in issuing a land mortgage and being tied to a third party. Besides, it also discusses about the struggle of the bank in solving the problematic credit as well as all the setbacks which is faced in the process of it. The objective of this thesis is specially directed to Law students as their reference about the consideration of a bank in granting micro credit with the freehold title of land as the guarantee without necessarily being burdened more by land mortgage. The methodology of this thesis is empirical research with the approach of juridical and sociological aspects. From the discussion, the result proves that there are both juridical and non-juridical considerations in in granting micro credit with the freehold title of land as the guarantee without necessarily being burdened more by land mortgage. The hinderance that is encountered is the debitor who are not cooperative. Then the action of loan finishing that is encountered is with the attempt offinishing through the internal of the bank organization.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FH/2016/455/051808960 |
| Uncontrolled Keywords: | Pertimbangan Bank, KreditMikro, HakTanggungan.-The Consideration of a Bank, Micro Credit, Land Mortgage. |
| Subjects: | 300 Social sciences > 346 Private law > 346.07 Commercial law > 346.073 Loan |
| Divisions: | Fakultas Hukum > Ilmu Hukum |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 03 Dec 2018 01:40 |
| Last Modified: | 23 Oct 2021 06:54 |
| URI: | http://repository.ub.ac.id/id/eprint/14051 |
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