Implementation of Credit Agreements Through the Binding of Guarantee Agreements (Borgtocht) for the Object of the Mortgage Right

Jeffrey Rainaldo Laban (Faculty of Law, Universitas Islam Sultan Agung Semarang)

Jurnal Konstatering
Vol 5, No 4 (2026): October 2026

As a credit provider, banks are required to establish policies to maintain a balance in order to obtain profits and ensure that all their credit can be settled in good faith from the debtor. This research is an empirical legal research with an empirical juridical approach, namely research that examines how legal provisions regarding credit agreements are applied in practice in the banking environment. Researchers seek to determine the conformity between applicable legal provisions and the practice of implementing credit agreements through binding guarantee agreements, as well as identifying various factors that influence the effectiveness of their implementation. Guarantee Agreements at Bank Sultra are still used as additional collateral, basically only as an additional assurance that the credit will run well due to the guarantor's control over the health of the debtor's business.