Zachriondika, Yori (2019) Pelaksanaan Lelang Eksekusi Sebagai Penyelesaian Kredit Macet Di PT.bank Perkreditan Rakyat (BPR) Tuah Negeri Mandiri Di Pekanbaru. Other thesis, Universitas Islam Riau.
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Abstract
Banking is a community partner in order to meet all daily financial needs. The bank is used as a place to carry out various transactions related to finance such as: a place to secure money, make investments, make payments, or carry out collateral and main tasks of banking, namely collecting funds from the community and redistributing the community in the form of credit loans. In granting credit, banks always ask for collateral or collateral to the debtor as an anticipation step if the debtor defaults because the credit provided by the debtor does not always run smoothly or in accordance with the creditor's expectations, in practice some debtors violate their obligations as debtors, namely paying installments credit. If the debtor no longer pays the loan installments, then it can be said that bad credit, if so, the bank will try to save the credit and if the step does not meet the results, the bank can auction the execution of the debtor guarantee object. Based on the above problems, there are two main problems in this study, namely how the execution of auction as a rescue of credit at the Tuah Negeri Mandiri Credit Bank (BPR) in Pekanbaru, and also what are the limiting factors and legal protection for creditors in carrying out auction execution as settlement of bad loans at the People's Credit Bank (BPR) PT Tuah Negeri Mandiri in pekanbaru. The research method used by the authors in this study is a type of observational research which is a direct research method using data collection tools in the form of questionnaires and interviews. While the place of this research is in the People's Credit Bank (BPR) Tuah Negeri Mandiri in pekanbaru. The results of this study are the People's Credit Bank (BPR) Tuah Negeri Mandiri in its efforts to save bad credit, which is the first step, namely giving 1-3 warning letters to the debtor if the warning letter, the second step the bank will invite to negotiate the debtor to conduct credit restructuring Then when this step does not find results, then the bank will auction the execution of the debtor's collateral object by making an application for auction execution to the state service office and auction (KPKNL), in which KPKNL will execute the auction by means of parate executives according to article 6 UUHT. The inhibiting factor for the People's Credit Bank (BPR) Tuah Negeri Mandiri to auction collateral object execution is that the debtor is not cooperative in resolving his credit problems, then it is difficult to find a price match between the auction price and the price desired by the debtor. debtor d third parties when the execution of the auctioned collateral object will be held.
| Item Type: | Thesis (Other) |
|---|---|
| Uncontrolled Keywords: | Credit Agreement, Execution, breach of contract |
| Subjects: | K Law > K Law (General) K Law > K Law (General) |
| Divisions: | > Ilmu Hukum |
| Depositing User: | Mohamad Habib Junaidi |
| Date Deposited: | 10 Mar 2022 09:43 |
| Last Modified: | 10 Mar 2022 09:43 |
| URI: | http://repository.uir.ac.id/id/eprint/8132 |
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