PENYELESAIAN PERKARA WANPRESTASI TERHADAP JAMINAN HAK TANGGUNGAN AKIBAT DEBITUR MENINGGAL DUNIA (STUDI PADA PT. BPR TRIKARYA WARANUGRAHA)

This study aims to determine the Settlement of Default Cases Against Mortgage Collateral Due to Debtors Dying at BPR Trikarya Waranugraha. The research method used in this research is empirical research method or field research (field research) with a sociological legal approach, namely an approach to a problem by paying attention to the applicable legal norms and connected with the facts of the problems raised by the author. The data analysis technique in this study uses qualitative descriptive data analysis techniques, namely the analysis method by searching and collecting data obtained from interviews or observations regarding the problems studied in the field, which are then analyzed in accordance with the provisions of the applicable laws and regulations. The result of this research is that BPR Trikarya has 3 (three) schemes or types of credit offered to prospective debtors, including flat / installment credit, interest-interest credit, and deposit / checking account credit. In granting credit, BPR Trikarya Waranugraha must pay attention to the 5C principle, namely Character, Capacity, Capital, Collateral and Condition of Economy. This principle aims to mitigate the risk of default. In the event of default caused by the debtor's death, BPR Trikarya prioritizes settlement through the 3R method, namely Rescheduling, Reconditioning and Restructuring.