PENYELESAIAN KREDIT MACET DENGAN JAMINAN FIDUSIA DI PT. BANK PEMBANGUNAN DAERAH SUMATERA SELATAN BANGKA BELITUNG CABANG PALEMBANG

• Main Authors: , ENDAH APRIANA, , Dwi Haryati, S.H., m.H.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2011
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/90832/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=53146

This research was intended to identity settlement of bad debt that is secured with fiduciary guarantee in PT Bank Pembangunan Daerah Sumatera Selatan Bangka Belitung Palembang Branch and to identify obstacles in settlement of the bad debt. It was juridical empirical research that is based on field study to get primary data that emphasize field data complemented with literary data with literary study. Data was analyzed using qualitative method by describing primary and secondary data, then it was interpreted and conclusion was drawn. The result indicated that in settling bad debt when the fiduciary provider default, PT Bank Pembangunan Daerah Sumatera Selatan Bangka Belitung Palembang Branch did underhand sale by asking debtor to sell his collateral his self and give the results to bank to pay the credit. The bank selects this way because it is fast, effective and efficient process than resolution with court institution. Obstacles in implementation of fiduciary guarantee execution is take long time, need great cost, uncooperative debtor, and objective against drawing of fiduciary object, and decrease in selling price of the collateral object. Efforts to deal with the obstacles are asking help from authoritative institution, following all procedures, asking additional collateral for damage collateral object, and insurance claim for lost/damage collateral object.