<![CDATA[Abstract The activity of borrowing and lending money through credit agreements with collateral in the form of security rights is a common practice in banking. However, in practice, defaults by debtors often occur, hindering the repayment of creditors' funds. This thesis analyzes the legal measures taken by creditors, particularly Bank BRI Sanggau Branch, in dealing with defaulting debtors in credit agreements with security rights as collateral. Therefore, the research addresses the issue of "What Are the Legal Remedies Against Defaulting Debtors in Credit Agreements with Security Rights Collateral at the Bank BRI Sanggau Branch." The objectives of this research are to collect data and information related to credit agreements concerning security rights, to reveal the factors causing debtor defaults with security rights collateral at Bank BRI Sanggau Branch, to identify and analyze the consequences of debtor defaults, and to examine and analyze the legal actions taken by Bank BRI against defaulting debtors. This research employs a normative juridical method with a legislative and case study approach. Data were collected through literature studies and interviews with bank representatives and debtors. The findings indicate that there are two main legal measures taken by the bank in handling debtor defaults: non-litigation and litigation approaches. Non-litigation measures include credit restructuring, negotiation, and parate execution, while litigation measures involve default lawsuits and requests for the execution of security rights through the court. There are various challenges in implementing these legal measures, such as debtor resistance to execution, lengthy bureaucracy, and the collateral's value sometimes being insufficient to cover the debt. Therefore, strengthening regulations and optimizing dispute resolution procedures are needed to enhance the effectiveness of legal protection for creditors. This study concludes that the legal system in credit agreements with security rights collateral at Bank BRI Sanggau Branch tends to favor creditors. Despite the verification of documents, collateral assessment, and execution mechanisms through auctions, these processes are applied rigidly and unilaterally. Debtors facing financial difficulties due to defaults do not have sufficient opportunities to explore alternative solutions such as credit restructuring or more flexible mediation. The lengthy administrative procedures and lack of education about debtors' rights further worsen their position, trapping them in a system that does not consider their socio-economic conditions. Keywords: Default, Credit Agreement, Security Rights, Legal Measures, Creditor. Abstrak Kegiatan pinjam-meminjam uang melalui perjanjian kredit dengan jaminan hak tanggungan merupakan praktik umum dalam perbankan. Namun, dalam praktiknya, sering terjadi wanprestasi oleh debitur yang menghambat pengembalian dana kreditur. Skripsi ini menganalisis upaya hukum yang dilakukan oleh kreditur, khususnya Bank BRI Cabang Sanggau, dalam menghadapi debitur wanprestasi dalam perjanjian kredit dengan jaminan hak tanggungan, oleh karena itu di dalam penelitian ini terdapat rumusan masalahnya yaitu menegenai Bagaimana Upaya Hukum Terhadap Debitur Wanprestasi Dalam Perjanjian Kredit Dengan Jaminan Hak Tanggungan Di Bank Cabang Sanggau. Didalam penelitian ini tujuan masalahnya yaitu Mencari Data Dan Informasi Terkait Perjanjian Kredit Mengenai Hak Tanggungan, Mengungkapkan Faktor Penyebab debitur Wanprestasi Dengan Jaminan hak Tangguangan Di Bank BRI Cabang Sanggau,Mengungkapkan Dan Menganalisis Akibat Debitur Wanprestasi,Mengungkapkan Dan Menganalisis Upaya Bank BRI Terhadap Debitur yang Wanprestasi Penelitian ini menggunakan metode yuridis normatif dengan pendekatan perundang-undangan dan studi kasus. Data dikumpulkan melalui studi pustaka serta wawancara dengan pihak bank dan debitur. Hasil penelitian menunjukkan bahwa terdapat dua upaya hukum utama yang dilakukan bank dalam menangani wanprestasi debitur, yaitu upaya non-litigasi dan litigasi. Upaya non-litigasi meliputi restrukturisasi kredit, negosiasi, serta parate eksekusi, sedangkan upaya litigasi mencakup gugatan wanprestasi dan permohonan eksekusi hak tanggungan melalui pengadilan.terdapat berbagai kendala dalam pelaksanaan upaya hukum tersebut, seperti resistensi debitur terhadap eksekusi, birokrasi yang panjang, serta nilai objek jaminan yang terkadang tidak mencukupi untuk menutupi utang. Oleh karena itu, diperlukan penguatan regulasi dan optimalisasi prosedur penyelesaian sengketa guna meningkatkan efektivitas perlindungan hukum bagi kreditur.Penelitian ini menyimpulkan bahwa sistem hukum dalam perjanjian kredit dengan jaminan hak tanggungan di Bank BRI Cabang Sanggau lebih memihak pada pihak kreditur, karena meskipun telah dilakukan verifikasi dokumen, penilaian agunan, dan mekanisme eksekusi melalui lelang, proses-proses tersebut diterapkan secara kaku dan sepihak. Debitur yang mengalami kesulitan finansial akibat wanprestasi tidak mendapatkan ruang yang memadai untuk mengeksplorasi solusi alternatif seperti restrukturisasi kredit atau mediasi yang lebih fleksibel. Prosedur administratif yang panjang dan minimnya edukasi mengenai hak-hak debitur semakin memperburuk posisi mereka, sehingga debitur terjebak dalam sistem yang tidak mempertimbangkan kondisi sosial ekonomi yang mereka hadapi. Kata Kunci: Wanprestasi, Perjanjian Kredit, Hak Tanggungan, Upaya Hukum, Kreditur.]]>
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