Legal Protection for Creditors Holding Second Rank Collateral that Cannot Be Executed
DOI:
https://doi.org/10.55927/marcopolo.v3i2.10Keywords:
Creditors, Collateral, Mortgage RightAbstract
Mortgage right is the main collateral in banking that provides legal certainty for creditors in credit agreements. The ranking system in Hak Tanggungan determines the priority of debt repayment, where the first ranked creditor has the main right to the proceeds of the execution of the collateral. Subsequent ranking creditors only receive repayment if there are still remaining proceeds from the execution. An empirical juridical approach is used in this research to understand the normative aspects and legal practices in the community. The inability of second ranking creditors to execute collateral is often caused by the insufficient value of the collateral object. To reduce disputes, a clear agreement and notarial deed recording in APHT are required. Collateral execution can be carried out through litigation and non-litigation mechanisms to ensure the fulfillment of creditor rights in cases of default.
References
Adrian Sutedi, 2010, Hukum Hak Tanggungan, Sindar Grafika, Jakarta. Djuhaendah Hasan, 2011,
Dimas Nur Arif Putra Suwandi Perlindungan Hukum Bagi Bank Pemegang Hak Tanggungan Peringkat Kedua Dalam Eksekusi Objek Hak Tanggungan Jakarta 2018
Lembaga Jaminan Kebendaan Bagi Tanah Dan Benda Lain Yang Melekat Pada Tanah Dalam Konsepsi Penerapan Asas Pemisahan Horisontal, Nuansa Madani, Jakarta.
Mulyoto. Perjanjian: Teknik, Cara Membuat, dan Hukum Perjanjian yang Harus Dikuasai. Yogyakarta: Cakrawala Media, 2012.
Rahman, H. Aspek-Aspek Hukum Pemberian Kredit Perbankan di Indonesia. Bandung: Citra Aditya Bakti, 1998.
Soekamto, Soejono. Pengantar Penelitian Hukum. Jakarta: UI Press, 1986.
Supriadi Jufri, Anwar Borahima, Nurfaidah Said Pelaksanaan Lelang Eksekusi Hak Tanggungan Melalui Balai Lelang Semarang 2020
Sutedi, Adrian. Hukum Hak Tanggungan, Jilid 2. Jakarta: Sinar Grafika, 2012.
Untung, H. B. Kredit Perbankan di Indonesia. Yogyakarta: Andi, 2000.
Yogi Gantika Gandawidura Legal Protection Creditor Holders Of Second Rank Rights In Execution Jakarta 2019
