PEMBERIAN KREDIT DENGAN JAMINAN TANAH SURAT KETERANGAN (SK) CAMAT PADA PT. BANK RAKYAT INDONESIA (PERSERO) Tbk. CABANG MEDAN SISINGAMANGARAJA

Muhayminah Muhayminah (Program Studi Magister Ilmu Hukum Fakultas Hukum Universitas Sumatera Utara)
Tan Kamello (Program Studi Magister Ilmu Hukum Fakultas Hukum Universitas Sumatera Utara)
Utary Maharany Barus (Program Studi Magister Ilmu Hukum Fakultas Hukum Universitas Sumatera Utara)
Rosnidar Sembiring (Program Studi Magister Ilmu Hukum Fakultas Hukum Universitas Sumatera Utara)

USU LAW JOURNAL
Vol 5, No 1 (2017)

ABSTRACT Giving credit to the land security Certificate (SK) Head carried out by PT. Bank Rakyat Indonesia (Persero) Tbk. Medan SM. Raja to facilitate the debtor in obtaining loans for micro-enterprises, but SK Head can not be done Encumbrance because not registered in the State Land Board that need to disertipikatkan. Based on the above background that problems found first legal power of SK Head over land ownership, two credit granting process with guaranteed SK Head at PT. Bank Rakyat Indonesia (Persero) Tbk. Medan SM. Raja, and three legal protection against creditors in their lending with collateral land use Letter Head.   Keywords : Bank , Credit, Guarantee, Letter Heads