PELAKSANAAN EKSEKUSI HAK TANGGUNGAN SEBAGAI JAMINAN KREDIT USAHA MIKRO, KECIL DAN MENENGAH DI PT. BANK DANAMON INDONESIA, TBK CABANG KARAWANG
Abstract
Lending by banks can not always provide the possibility of redemption of the loan at maturity. To minimize the losses incurred by the non-performing loans, the bank will ask the debtor to provide a guarantee in the form of rights over land subject to the Mortgage. Based on this, the problems studied is how the remedies micro, small and medium enterprises especially problematic in the Bank secured by a Mortgage? whether execution Mortgage conducted by the Bank as the holder of Mortgage is in conformity with the laws and regulations ?, and what are the obstacles in the execution of Bank Danamon Mortgage? The results showed that the handling of micro, small and medium-sized problems in the Bank conducted with two (2) ways, namely the collection of soft and hard collection. Mortgage execution carried out by the Bank are in accordance with the legislation in force, namely Article 6 and Article 20 of the Law on Mortgage and Article 36 paragraph (6) of the Regulation of the Minister of Finance No. 106 / PMK.06 / 2013 on the Amendment to the Regulation of the Minister of Finance No. 93 / PMK.06 / 2010 on the Implementation Guidelines for the Auction. While the obstacles in the execution of Bank Danamon Encumbrance there are 2 (two) types, ie the resistance of internal factors and external factors. Keywords: Execution MortgageReferences
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