<![CDATA[ABSTRACT This study examines Decision Number 218/Pdt.G/2021/PN Ptk, in which the Debtor/client filed a lawsuit claiming to have suffered losses due to the auction sale of collateral. The Debtor, a client of PT. BPR Universal Kalimantan Barat, experienced non-performing loan (NPL) conditions, which led to the collateral being taken over by the Creditor and subsequently auctioned. However, the Debtor filed a lawsuit against the Creditor, objecting to the auction of the collateral. This study aims to examine and analyze the legal implications of the settlement of non-performing loans through Foreclosed Collateral (hereinafter referred to as AYDA) as implemented by PT. Bank Perekonomian Rakyat (BPR) Universal Kalimantan Barat and to examine the legal considerations of the Panel of Judges in the Decision of the Pontianak District Court Number 218/Pdt.G/2021/PN Ptk. This research employs a normative legal research method. The approach taken in this study involves a legal document review, focusing on court decisions and statutory regulations relevant to the legal issues under discussion. Based on the results of the research and analysis, the following conclusions were obtained: The legal considerations of the judge in Decision Number 218/Pdt.G/2021/PN.Ptk of the Pontianak District Court were procedurally and substantially in accordance with the principles of civil law. Meanwhile, the legal consequence of resolving non-performing loans through Foreclosed Collateral (AYDA) is the transfer of asset ownership, which is carried out through the execution procedure of collateral, namely by auction or sale of the asset in accordance with the provisions of Article 6 of the Law on Security Rights (UU Hak Tanggungan). Keywords: Breach of Contract, Credit Agreement, AYDA, Security Law ABSTRAK Penelitian ini mengambil studi putusan Nomor 218/Pdt.G/2021/PN Ptk dimana Debitur/nasabah melayangkan gugatannya karena merasa dirugikan atas penjualan lelang agunan. Debitur yang merupakan nasabah PT. BPR Universal Kalimantan Barat mengalami kredit macet yang mengakibatkan agunannya diambil alih oleh Kreditur dan telah dilakukan lelang agunan. Namun hal tersebut mengakibatkan Debitur menggugat Kreditur karena tidak terima agunannya dilelang. Tujuan pelaksanaan penelitian ini yaitu untuk mengetahui dan menganalisis tentang Pertimbangan Majelis Hakim Dalam Putusan Pengadilan Negeri Pontianak Nomor 218/Pdt.G/2021/PN.Ptk, dan akibat hukum pelaksanaan Agunan Yang Diambil Alih (yang seterusnya akan disebut AYDA) yang dilakukan PT. Bank Perekonomian Rakyat (BPR) Universal Kalimantan Barat. Penelitian yang digunakan terfokus pada penelitian hukum normatif. Pendekatan dalam penelitian ini yaitu pendekatan terhadap dokumen hukum yaitu putusan pengadilan serta peraturan perundang-undangan yang relevan dengan permasalahan yang dibahas oleh peneliti. Berdasarkan hasil penelitian dan pembahasan diperoleh hasil sebagai berikut : Bahwa Pertimbangan Hukum Hakim Dalam Putusan Pengadilan Negeri Pontianak Nomor 218/Pdt.G/2021/PN.Ptk telah sesuai secara prosedural dan prinsipil dengan asas-asas dalam perkara perdata. Sedangkan akibat hukum dalam pelaksanaan penyelesaian kredit macet dengan Agunan Yang Diambil Alih (AYDA) yaitu terjadinya peralihan kepemilikan aset yang melalui prosedur eksekusi agunan berupa lelang/penjualan aset berdasarkan ketentuan Pasal 6 UU Hak Tanggungan. Kata Kunci : Wanprestasi, Perjanjian Kredit, Ayda, Hukum Jaminan]]>
