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PERJANJIAN KREDIT BANK DENGAN PEMBEBANAN HAK TANGGUNGAN SEBAGAI JAMINAN (Studi di PT. Bank Pembangunan Daerah Jawa Timur Cab. Batu)

Harini, Marda Wanta Ranti Hayes Putri (2018) PERJANJIAN KREDIT BANK DENGAN PEMBEBANAN HAK TANGGUNGAN SEBAGAI JAMINAN (Studi di PT. Bank Pembangunan Daerah Jawa Timur Cab. Batu). Associates Degree (D3) thesis, University of Muhammadiyah Malang.

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Abstract

In the sector of economic development the role of banks is very important, because the bank as an institution that aims to support the implementation of national development. Credit in the banking world is the most important business activity, because the bank's largest income comes from credit distribution activities. In guaranteeing its interest as a release or lender, the bank may ask the debtor to provide the collateral goods which can be charged according to the type of goods, for example, for objects can still be secured by the Mortgage Right for example Land which will be bound by APHT . In this research, a qualitative descriptive analysis is conducted on bank lending procedures with Mortgage Rights as collateral. The results of research by the author in the bank BPD East Java Branch Batu was concluded that the loan agreement with guarantee of mortgage rights through several procedures that must be done by the debtor that is from filling the loan application form, completion of paperwork and accompanying an guarantees to be held in the form of Land Acquisition or promised . Guaranteeing of credit objects by the bonding of Mortgages Rights is more profitablee to the creditor because it has a preferent right on the debtor's guarantee,so that if the debtor breaches the creditor's pledge / wanprestasi can execute on the object of guarantee through KPKNL to conduct the auction of goods as collateral.

Item Type: Thesis (Associates Degree (D3))
Student ID: 201510190511108
Keywords: Mortgage Right , Bad Credit , Procedure, Guarantee
Subjects: H Social Sciences > HG Finance
H Social Sciences > HJ Public Finance
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Retno Widiyastuti Ika Wijaya
Date Deposited: 10 Dec 2018 04:26
Last Modified: 10 Dec 2018 04:26
URI : http://eprints.umm.ac.id/id/eprint/41724

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