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Journal : Kerta Dyatmika

KAJIAN YURIDIS AGUNAN YANG DIAMBIL ALIH (AYDA) OLEH BANK Putu Devi Yustisia Utami
Kerta Dyatmika Vol 16 No 2 (2019): Kerta Dyatmika
Publisher : Fakultas Hukum Universitas Dwijendra

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (536.659 KB) | DOI: 10.46650/kd.16.2.739.69-77

Abstract

Banks in providing credit to community always prioritize the principle of prudence, however, any credit that has been provided by the bank has a risk. To minimize the risk of non performing loan by the debtor, banks often require collaterals. The collaterals submitted by the debtor is mostly in the form of land rights which is then be charged to the Encumbrance Right. When the debtor can’t pay the credit, the bank can execute the encumbrace right certificate of the collateral. However, in the fact that the execution of the encumbrance rights is not as easy as imagined, there are many obstacles that occur, so the bank tries to find other alternatives for the settlement of non performing loan with the Foreclosed Collateral (AYDA) process. In this study the author tries to examine the settlement of non performing loan by the Foreclosed Collateral (AYDA) process in terms of Law On Encumbrance Right. The conclusion in this study is, that the settlement of non performing loans through Foreclosed Collateral (AYDA) process as regulated in article 12 A of the Banking Law has violated the provisions of articles 12 and 20 of the Law On Encumbrance Right.This type of research is a normative legal research with a statutory approach and a legal concept analysis approach.Keywords : non performing loan, bank, collateral, AYDA
Co-Authors Agita Justisia Br. Tarigan Alia Yofira Karunian Anak Agung Ayu Gangga Muni Anak Agung Gde Ramanda Bradjawangsa Djelantik Anak Agung Istri Ari Atu Dewi Angelin Rachelia Aryawan, I Komang Budi Mas Bambang Admadi Harsojuwono Budi Mas Aryawan, I Komang Christin Atika Cresta Violy Veronika Dandy Widhianto Putra Denise, Denise Desak Putu Nugraheni DEWI, NI MADE LIANA Dinda Rana Ningtyas Divayani, Ni Putu Ardelia Dwitayani, Ni Made Ayu Rusmega Febripuspa Surya Candra Gede Agus Angga Saputra Gusti Ayu Mirah Febriary Adhyaksa I Dewa Gede Pradnya Yustiawan I Gusti Ayu Vhira Indra Sasmita I Gusti Putu Ardya Maharani I Komang Budi Mas Aryawan I Made Pasek Diantha I Made Sarjana I Made Wahyu Chandra Satriana I Putu Destra Markandeya I Putu Putra Widiarista Ida Ayu Dyah Sukmaningrum Widnyana Ida Ayu Ketut Diah Mahadewi Kadek Agus Sudiarawan Kadek Anggarita Patni Sekarini Kadek Puri Gita Pertiwi Kinanti Balqis Kurnia Dewi, Lusiana luh sarini Mandasari, Putu Dita Rahayu Mira Widiantary Ni Kadek Ari Sukma Wedayanti Ni Luh Putu Yoni Priyacitta Ni Made Cahyani Indiraswari Ni Putu Arista Ratna Dewi Ni Putu Purwanti Ni Wayan Karina Ni Wayan Nitya Varshini Sahare Palguna, Made Gde Surya Dharma Paramitha, Sally Pradnyandewi, Anak Agung Ketut Asti Pramana, Made Winata Pratama, Alvyn Chaisar Perwira Nanggala Putu Anggina Agistya Budiardianti Putu Shinta Dewi Pramayanti Ratna Emilia Ratu, Ida ayu Mas Sayi Hatiningsih Sayi Hatiningsih Sopiani, Ni Luh Ayu Trisna Yunita, Komang Anggie Warsiani, Ni Ketut Yuliawati, Ni Kadek Gita Yusnia, Gusti Ayu Era