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Articles

Vol. 2 No. 2 (2018): Unram Law Review (ULREV)

Legal Protection Against Banks As A New Creditural Candidate In Take Over Credit Process

  • Himawan Sutanto
  • Hanif Nur Widhiyanti
  • Istislam Istislam
DOI
https://doi.org/10.29303/ulrev.v2i2.45
Submitted
July 17, 2018
Published
2018-10-20

Abstract

This research journal discusses legal issues relating legal protection of the bank as a prospective new creditor in the process of taking over credit. Where there is no certainty of legal relationship between new creditor candidate with debtor. The Bank as a prospective new creditor can not ensure the release of roya letter on the same day as the binding, so there is no certainty of guarantee status. Bank as a potential creditor becomes a vulnerable party at risk of loss. This study aims to determine and analyze the presence or absence of legal relationship between the bank as a new creditor candidate with the debtor and to know the form of legal protection against the bank as a new creditor candidate in the process of taking over credit that is not in accordance with applicable rules. The research method used by the author is the approach of legislation (statute approach) and case approach (case approach).The absence of a strong legal relationship between the bank as a prospective new creditor with the debtor in the outstanding redemption process, where there is no guarantee of the issuance of the roya letter on the same day during the binding process, in the absence of kepsatian regarding the status of the guarantee, the bank becomes a risky party suffered losses so that the need for a form of legal protection in a preventive and repressive. 

 

References

Books
Budi Untung.(2000). Kredit Perbankan di Indonesia, Yogyakarta: Andi.
Daeng Naja.(2005). Hukum Kredit dan Bank Garansi, Bandung : Citra Aditya Bakti.
Muhammad Djumhana.(2006). Hukum Perbankan di Indonesia, Bandung : Citra Aditya Bakti.
Philipuss M. Hadjon.(2007). Perlindungan Hukum bagi Rakyat Indonesia, Surabaya: Bina Ilmu.
Remy Sjahdeini.(1999). Hak Tanggungan Asas-asas Ketentuan-ketentuan Pokok dan Masalah yang Dihadapi oleh Perbankan, Bandung: Alumni.

Journals
Nurfauzia, “Mekanisme Peralihan (take over) Kredit Perbankan di Indonesia”, Jurnal Lex Specialis Edisi Khusus Agustus (Agustus 2013): 91, accessed on May 10th 2018,http://jih.unbari.ac.id/index.php/article/view/66

Legislation
Undang-Undang Dasar Negara Republik Indonesia Tahun 1945
Kitab Undang-Undang Hukum Perdata.
Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perubahan Atas Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan (Lembaran Negara Republik Indonesia Tahun 1998 Nomor 182);
Undang-Undang Republik Indonesia Nomor 4 Tahun 1996 Tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda Yang Berkaitan Dengan Tanah (Lembaran Negara Republik Indonesia Tahun 1996 Nomor 42)
Peraturan Bank Indonesia Nomor 18/16/Pbi/2016 Tentang Rasio Loan To Value Untuk Kredit Properti, Rasio Financing To Value Untuk Pembiayaan Properti, Dan Uang Muka Untuk Kredit Atau Pembiayaan Kendaraan Bermotor.