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All Journal JURNAL TEKNIK MESIN Majalah Ilmiah MOMENTUM Jurnal Akta Pena Justisia: Media Komunikasi dan Kajian Hukum MAGISTRA Law Review G-Tech : Jurnal Teknologi Terapan Jurnal JURISTIC (JuJUR) Jurnal Indonesia Sosial Teknologi
Kunarto
Universitas Bandar Lampung
Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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Journal : Jurnal JURISTIC (JuJUR)

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Perlindungan Hukum Bagi Kreditur Dalam Perjanjian Kredit Yang Terjadi Wanprestasi Di BPR Muncul Artha Sejahtera Semarang kunarto, kunarto; Pratiwi, Febriyana Mega
Jurnal JURISTIC Vol 6, No 01 (2025): Jurnal JURISTIC
Publisher : PSHPM Untag Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/jrs.v6i01.6306

Abstract

One of the efforts made by creditors to address non-performing loans is through the auction of collateral secured or encumbered by a mortgage right. This study raises two main issues: fisrt  how  is legal protection provided to creditors in credit agreements that experience default with collateral in the form of mortgage rights at BPR Muncul Artha Sejahtera Semarang? And second What obstacles are encountered in the implementation of legal protection for creditors in such credit agreements, and what are the solutions? This research employs a normative legal research method with a descriptive-analytical specification, aiming to describe applicable legal norms and assess their implementation without drawing general conclusions. The findings indicate that legal protection for creditors in defaulted credit agreements with mortgage collateral at BPR Muncul Artha Sejahtera Semarang is implemented through several stages: rescheduling, reconditioning of interest burden, restructuring, and the sale of the mortgage collateral. The bank encounters obstacles in executing the sale of mortgage collateral, but continues to inform the debtor, in accordance with the credit agreement, that the collateral will be sold to fulfill the debtor’s obligation to repay the debt. As a solution, the debtor is given the opportunity to settle the debt or sell the collateral independently.
Co-Authors . Najamudin Achmad Agung Pratama Ahmad Hujaeni Andrian Suherman Anwar, Muhammad Adam Permana Apriansah, Muhammad Agung Arizon, Muhammad Aryana, Rifqi Dwi Azmi, Vio Al Bambang Pratowo Budi Prasetyo Endi Ernawan Galieh Azzis Afrian Gautam Kumar Jha Hantoro, Widi Harjono Saputro Haryanto, Gedeon Risky Ilhamsyah, Sofyan Indra Sumargianto Indra Surya Khotomi, Ahyatulloh Muhammad Irfan Affandy Mulyana, Mulyana Prasetyo, M Rembagus Pratiwi, Febriyana Mega Prayoga, Gilang Priatama, M Restu Ridho Saganta Riyanto, Handoko Riza Muhida Riza, Muhammad Satriadi, Satriadi Suherman, Andrian Teng jaya, Roy Harmapa Tsafitri, Della Ayu Wahid, Firman Nur Wicaksono, Bagus Wijayandi, Afriunus Zakaria, Rahmat Zein Muhamad