PELAKSANAAN PEMBEBANAN HIPOTEK ATAS KAPAL PADA PT. BANK NEGARA INDONESIA (PERSERO), Tbk. CABANG PONTIANAK
Abstract
Giving credit is the most important business activities for banks because the banks can obtain the largest revenue derived from loan interest payments and provisions. In lending, borrowers can submit collateral vessels loaded with a security interest in the form of a mortgage. However, setting the security interest was scattered in several laws that often cause problems in implementation. Based on research conducted in BNI Pontianak, the results are as follows: implementation of the mortgage on the boat loading in BNI Pontianak is in conformity with the legislation, in particular Article 28 s / d Article 31 of the Regulation of the Minister of Transportation No. 13 In 2012, in which mortgage loading aboard the mortgage deed done by the Head Office of Pontianak Kesyahbandaran and Port Authority officials who act as Registrar and Registrar Baliknama Ship. And as proof that the ship has been mortgaged, the bank (mortgage recipients) given grosse ship mortgage deed along with the certificate of registration grosse grosse deed baliknama ship or vessel, while the minutes of the ship mortgage deed recorded in the Office of the Port Authority Kesyahbandaran and Pontianak. Barriers that occur in practice is Kesyahbandaran Office and the Port Authority of Pontianak not have a Standard Operating Procedure (SOP), so that the implementation of the mortgage loading on board is not clear, especially with regard to the time and cost of maintenance. Keywords: Imposition of mortgages on the shipReferences
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