MEKANISME PENYELESAIAN KREDIT MACET DENGAN JAMINAN FIDUSIA DI BANK JATENG CABANG TEGAL

NATHANIA, ALMIRA AZALIA (2025) MEKANISME PENYELESAIAN KREDIT MACET DENGAN JAMINAN FIDUSIA DI BANK JATENG CABANG TEGAL. Skripsi thesis, Universitas Pancasakti Tegal.

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Abstract

ABSTRAK Pembangunan ekonomi membutuhkan dana besar, salah satunya melalui kredit perbankan. Kredit didasarkan pada perjanjian yang mengutamakan kepercayaan dan jaminan untuk melindungi kreditur. Jaminan fidusia memberikan hak prioritas dan memungkinkan eksekusi langsung jika debitur wanprestasi. Namun, penyelesaian kredit macet sering terkendala, seperti harga lelang yang rendah. Penelitian dilakukan untuk mengetahui mekanisme penyelesaian kredit macet dengan jaminan fidusia di Bank Jateng Cabang Tegal. Penelitian ini bertujuan : (1) Untuk mengetahui mekanisme penyelesaian kredit macet dengan jaminan fidusia di Bank Jateng Cabang Tegal. (2) Untuk mengkaji kendala yang dihadapi Bank Jateng Cabang Tegal dalam proses penyelesaian kredit macet dengan jaminan fidusia. Jenis penelitian ini adalah kepustakaan (library research). Penelitian ini menggunakan pendekatan perundang-undagan dan kasus. Teknik pengumpulan datanya melalui studi kepustakaan atau dokumentasi meliputi pengumpulan data yang dilakukan dengan cara penelusuran kepustakaan secara konvensional dan online serta melakukan pengamatan. Metode analisis datanya menggunakan analisis kualitatif. Hasil penelitian ini menunjukkan bahwa mekanisme penyelesaian kredit macet dengan jaminan fidusia di Bank Jateng Cabang Tegal dilakukan dengan penggolongan kredit bermasalah, restrukturisasi kredit, eksekusi jaminan fidusia, dan pengelolaan sisa dana. Namun, setelah lahirnya Putusan Mahkamah Konstitusi Nomor 18/PUU-XVII/2019 dan Nomor 2/PUU-XIX/2021, proses eksekusi jaminan hanya dapat dilakukan dengan persetujuan debitur sehingga mengurangi efektivitas eksekusi cepat dan meningkatkan potensi kerugian bagi kreditur. Kendala yang dihadapi meliputi debitur yang tidak beritikad baik, kesulitan keuangan, dan keterbatasan pemahaman debitur terhadap kebijakan bank. Berdasarkan hasil penelitian ini diharapkan akan menjadi bahan informasi dan masukan bagi mahasiswa, akademisi, praktisi, dan semua pihak yang membutuhkan di lingkungan Fakultas Hukum Universitas Pancasakti Tegal. Kata Kunci : Mekanisme, Kredit Macet, Jaminan Fidusia, Bank ABSTRACT Economic development requires large funds, one of which is through bank credit. Credit is based on an agreement that prioritizes trust and guarantees to protect the creditor. Fiduciary collateral provides priority rights and allows for direct execution if the debtor defaults. However, the resolution of non-performing loans is often hindered, such as by low auction prices. Research was conducted to understand the mechanism for resolving non-performing loans with fiduciary guarantees at Bank Jateng Tegal Branch. This research aims to: (1) Understand the mechanism for resolving non- performing loans with fiduciary guarantees at Bank Jateng Tegal Branch. (2) To examine the obstacles faced by Bank Jateng Tegal Branch in the process of resolving non-performing loans with fiduciary guarantees. The type of research is library research. This research uses a legislative and case approach. The data collection technique through library study or documentation includes data collection conducted through conventional and online library searches as well as observations. The data analysis method uses qualitative analysis. The results of this study indicate that the mechanism for resolving non- performing loans with fiduciary collateral at Bank Jateng Tegal Branch is carried out through the classification of problematic loans, loan restructuring, execution of fiduciary collateral, and management of remaining funds. However, after the issuance of the Constitutional Court Decision Number 18/PUU-XVII/2019 and Number 2/PUU-XIX/2021, the process of executing collateral can only be carried out with the debtor's approval, thereby reducing the effectiveness of quick execution and increasing the potential losses for the creditor. The obstacles faced include debtors who are not acting in good faith, financial difficulties, and the limited understanding of debtors regarding bank policies.. Based on the results of this research, it is expected to serve as information and input for students, academics, practitioners, and all parties in need within the Faculty of Law at Universitas Pancasakti Tegal. Keywords: Mechanism, Non-Performing Loans, Fiduciary Guarantee, Bank

Item Type:	Karya Ilmiah (Skripsi)
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Ilmu Hukum
Depositing User:	editor repository ups tegal
Date Deposited:	17 Mar 2025 03:31
Last Modified:	17 Mar 2025 03:31
URI:	http://repository.upstegal.ac.id/id/eprint/10301

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