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TRI YANI SARTIKA HARAHAP
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Law, Crime, Criminology & Criminal Justice

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PERJANJIAN KERJA SAMA ANTARA BANK DENGAN JASA PENILAIAN PUBLIK (KJPP) DALAM HAL PENILAIAN AGUNAN KREDIT PEMILIKAN RUMAH (SUATU PENELITIAN DI PT. BANK CIMB NIAGA TBK, CABANG MEDAN BUKIT BARISAN) TRI YANI SARTIKA HARAHAP
PREMISE LAW JURNAL Vol 8 (2015): Volume VIII Tahun 2015
Publisher : PREMISE LAW JURNAL

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Abstract

Bank usually uses Public Appraiser Service Office (KJPP) to help appraise the prospective debtor’s collateral because Public Appraiser, considered having the capability in the appraising field, will provide objective and reliable appraisal. The research used descriptive analytic and judicial empirical approach. Appraisal service business has to be guided by Indonesian Appraisal Standard (SPI), Indonesian Appraising Ethics Code (KEPI), and other legal provisions. In giving credit facility of Housing Ownership, there are some procedures which should be conducted by Bank and KJPP, starting from interviews with prospective debtors, business evaluation, collateral appraisal, to the agreed process. The process of giving housing ownership credit (KPR) is only used for the internal need of Bank CIMB Niaga. In order to create safe situation, it is recommended that the government should socialize the issued regulations which are in line with people’s need by paying attention to the reality in the society and monitor KJPP continuously, and Public Appraisal Service Office, in conducting its profession, should cooperate professionally. Keywords:       Agreement, Cooperation between Bank and KJPP, Appraisal for KPR Collateral
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