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All Journal Jurnal Cakrawala Ilmiah Journal of Innovation Research and Knowledge
Vieri Rivaldo Hasibuan
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Humanities Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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EKSEKUSI HAK TANGGUNGAN ATAS KREDIT BERMASALAH:ANTARA KEPASTIAN HUKUM DENGAN PERLINDUNGAN NASABAH Bambang Fitrianto; Jeni alfikri ginting; Vieri Rivaldo Hasibuan; Riza Alif Pasha; Nazwa Salsabila; Zavfirah Alya
Journal of Innovation Research and Knowledge Vol. 5 No. 8 (2026): Januari 2026
Publisher : Bajang Institute

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Abstract

Kredit bermasalah menjadi persoalan utama dalam dunia perbankan karena dapat mengganggu stabilitas keuangan. Untuk melindungi kepentingan kreditur, digunakan hak tanggungan sebagai jaminan yang memiliki kekuatan eksekutorial berdasarkan Undang-Undang Nomor 4 Tahun 1996. Namun, pelaksanaan eksekusi sering menghadapi kendala seperti perlawanan debitur dan prosedur administratif yang rumit. Penelitian ini bertujuan menganalisis pelaksanaan eksekusi hak tanggungan atas kredit bermasalah serta menilai keseimbangan antara kepastian hukum bagi kreditur dan perlindungan hukum bagi debitur. Metode penelitian yang digunakan adalah yuridis normatif dengan pendekatan perundang-undangan dan konseptual. Hasil penelitian menunjukkan bahwa meskipun hak tanggungan memberikan kepastian hukum, praktik eksekusi masih memerlukan penegakan prinsip keadilan dan transparansi agar tidak merugikan nasabah.
PERJANJIAN YANG DIBUAT MENGAKIBATKAN PERSELISIHAN Tamaulina Br.Sembiring; Jeni Alfikri Ginting; Riza Alif Pasha; Vieri Rivaldo Hasibuan
Jurnal Cakrawala Ilmiah Vol. 5 No. 5 (2026): Januari 2026
Publisher : Bajang Institute

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Abstract

Agreements are one of the legal instruments used to regulate relationships between parties in a lawful and legally binding manner. However, it is not uncommon for agreements to actually cause disputes due to unclear clauses, violations of rights, or errors in execution. This journal discusses the factors that cause disputes in agreements, the dispute resolution mechanisms, as well as preventive measures to ensure agreements can be implemented effectively and what efforts can be made to prevent conflicts arising from agreements. The research method used is descriptive qualitative with a library research approach. The results of the study show that careless drafting of agreements, poor communication, and non-compliance with the law are the main factors causing disputes
Co-Authors Bambang Fitrianto Jeni Alfikri Ginting Nazwa Salsabila Riza Alif Pasha Tamaulina Br.Sembiring Zavfirah Alya