PELAKSANAAN EKSEKUSI GROSSE AKTA PENGAKUAN UTANG (STUDI KASUS DI BANJARMASIN)

Abstract

Executory copy of deed of debt intitution is easier creditor when he realized his receive claim, because he can do the execution without claim to the court, in fact it is very scarce to be used. The aim of this study is to know about bank's action to the debitor who has problem, hindrance execution factor, are needing some perfection with how to control it. Primary and secondary data was gathered trough library and field research in Banjarmasin by means of document review, interview, and observation. Based on qualitative analysis, it is known that bank's action to the debitor who has problem is by giving him a hort, find out the matter why he doesn't fulfill his duty, further give some efforts guidance and credit fasilitation, if debitor doesn't fulfill his duty yet, it is continued by setting obligation right, those who are involved in the process of drawing up this document don't understand or even know about the supreme court's requirement and the attitude of the chief of district court which is reject the copy of deed of debt execution application. To optimize the role of debt collection without legal suit, the stipulations of article 224 RIR (258 RBg) need to be improved by making some privat regulations in the civil procedure of law which is up to date to the period and to guarantee the law certain. Lembaga eksekusi grosse surat utang notariil mempennudah kreditor dalam merealisasi pelunasan piutang, karena dapat langsung melaksanakan eksekusi tanpa melalui gugatan, namun dalam praktek sangat jarang dipakai. Tujuan penelitian mengetahui tindakan bank terhadap debitor yang bermasalah, faktor-faktor penghambat eksekusi, apakah perlu penyempurnaan serta bagaimana pengaturannya. Data primer dan sekunder diperoleh melalui studi pustaka, dan survai lapangan di Banjarmasin dengan alat pengumpul data kajian dokumen, wawancara, dan observasi. Berdasarkan analisis melalui kualitatif diketahui tindakan bank terhadap debitur bermasalah memberi teguran, mencari penyebab debitor tidak memenuhi kewajibannya, diteruskan memberi bimbingan usaha dan restrukturisasi fasilitas kredit, kemudian apabila debitor belum juga memenuhi kewajibannya di lanjutkan pemasangan hak tanggungan, mereka yang terkait dalam pembuatan grosse surat utang notariil tidak mengetahui dan memahami pendapat dari ketua Mahkamah Agung dan sikap dari ketua pengadilan negeri yang menolak pennohonan eksekusi grosse surat utang notariil. Agar dapat mengoptimalkan peranan lembaga penagihan utang tanpa melalui gugatan maka diperlukan penyempurnaan ketentuan Pasal 258 RBg (224 HIR) yaitu dibuatnya ketentuan tersendiri di dalam Hukum Acara Perdata Nasional, yang mengikuti perkembangan zaman dan menjamin kepastian hokum.