ABSTRACT
05011115 Sektor perbankan berfungsi sebagai lembaga perantara keuangan mempunyai peranan yang strategis dalam kegiatan perekonomian yaitu menghimpun dana dan menyalurkan kredit. Menurut Undang-undang Nomor 7/1992 sebagaimana diubah dengan Undang-undang Nomor 10/1998 tentang Perbankan menegaskan perlu diperhatikan untuk melindungi dan mengamankan dana masyarakat yang dikelola oleh Bank dan disalurkan dalam bentuk kredit, berpedoman pada prinsip kehati-hatian, kreditur mempunyai keyakinan atas kemampuan dan kesanggupan debitur untuk melunasi utangnya. Apabila debitur tidak melunasi kredit, bank sebagai pemegang Hak Tanggungan mempunyai hak untuk menjual objek jaminan. Undang-undang menunjuk bahwa lelang merupakan penjualan jaminan yang lebih baik, karena pelelangan sangat aman dan menguntungkan. Permasalahan timbul dalam prosedur lelang atas tanah misalnya mengenai pelaksanaan eksekusi jaminan melalui lelang objek tanah dan upaya penyelesaian apabila setelah pembelian lelang objek lelang tidak dapat dikosongkan. Untuk menjawab hal tersebut, maka metode penelitian yang dilakukan adalah suatu penelitian yang menggabungkan antara penelitian yuridis normatif dan yuridis sosiologis bercirikan suatu studi kasus, dengan menggunakan data primer dan data sekunder. Data primer diperoleh melalui studi lapangan dengan alat pengumpulan data pedoman wawancara dan pengamatan, sedangkan data sekunder diperoleh dari studi kepustakaan. Data dianalisis secara kualitatif yang ditulis seeara deskriptif analisis. Pelaksanaan eksekusi jaminan melalui lelang atas tanah memerlukan Surat Keterangan mengenai status tanah yang hendak dijadikan objek lelang. Berdasarkan Surat Keterangan Pendaftaran Tanah (SKPT) yang diterbitkan oleh kantor Pertanahan atas permintaan Kantor Lelang akan dapat diketahui mengenai keadaan tanah yang dijadikan objek lelang baik data fisik maupun data yuridis sesuai dengan apa yang tercatat dalam surat keterangan tersebut. Kesulitan mengenai penguasaan objek lelang eksekusi dari pihak pembeli sebenarnya kesalahan dari pihak penjual karena tidak. Mahasiswa Sekolah Pascasarjana Magister Kenotariatan Universitas Sumatera Utara. Dosen Sekolah Pascasarjana Magister Kenotariatan Universitas Sumatera Utara. Banking sector functions as financial intermediary institution and therefore has a strategic role to play ini economic activities, that is, to rise funds and lend credits. According to Law NO.7/1992 as amended by Law No. 10/1998 on Banking it needs to protect and secure those public funds which banks manage and lend ini form of credits, based on the principles of caution and on assurance that the debtor are reliable and capable of repaying their loads. In case a debtor fails to repay his or her credits, a bank as the holder of Right of Collateral has a right to sell the collateral object. The Law stipulate that auction is a preferred collateral selling method, because it IS highly safe and profitable. A problem arise on a land auction procedure, as on the execution of a collateral by land collateral auction and solution in case the land carmot be cleared after being aucted. To answer those question, this research used the combination of normative juridical and sociological juridical research with the characteristic of case study. Furtheremore, this research used the primary and secondary data. Primary data was obtained through field study using the interview guidance and observation as data collecting tools, whereas the secondary data was obtained through library research. Data was analyzed qualitatively and presented by descriptive analytic. The implementation of guarantee execution through auction on land calls for identification papers about the land status that would be made as an auction object. Based on "Surat Keterangan Pendaftaran Tanah" (SKPT) (identification paper ofland registration) issued by a land affairs office for request of Auction Office it can be known about the land condition made an auction object by both physical andjuridical data according to registered in the identification papers. The difficulty of executed auction object authority of buyer party is really a fault of seller party because it has been not carried out a real surrender from seller party to buyer party for the auction off item. The form of responsibility that can be given is by making a request of evacuation for the auction object to Chairman of First instance court in which the region the auction object is. Dr. Runtung Sitepu, Sh. MH
Pelaksanaan Eksekusi Lelang Terhadap Jaminan Kredit Macet. Available from: https://www.researchgate.net/publication/42322885_Pelaksanaan_Eksekusi_Lelang_Terhadap_Jaminan_Kredit_Macet [accessed May 21, 2016].
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