EKSEKUSI HAK TANGGUNGAN SEBAGAI PENYELESAIAN KREDIT MACET DI PT BANK CENTURY Tbk KANTOR PUSAT OPERASIONAL SENAYAN

Abstract

Bank merupakan suatu lembaga penghimpunan dana dan penyalur dana kepada masyarakat. Dalam fungsi sebagai penyalur dana, pihak bank dapat memberikan bantuan kepada masyarakat dengan cara pemberian kredit. Pada penyaluran kredit bank selalu mewajibkan pihak debitor untuk menyediakan jaminan diantaranya berupa Hak Tanggungan. Dengan jaminan tersebut bank sebagai kreditur bisa mendapatkan hak utama (preferensi) bagi pelunasan suatu piutang kredit apabila debitor wanprestasi. Namun dalam prakteknya tidak semua Hak Tanggungan dapat berfungsi sebagaimana mestinya karena adanya perlawanan dari pihak pemilik dan sebagainya. Dalam penelitian ini akan dibahas tentang penanganan kredit macet serta eksekusi Hak Tanggungan untuk menyelesaikan kredit macet yang dilakukan oleh PT Bank Century Tbk Kantor Pusat Operasional Senayan dan proses lelang barang jaminan sebagai penyelesaian kredit macet di PT Bank Century Tbk kantor pusat operasional Senayan serta pemenuhan hak-hak para pihak. Penelitian ini bersifat deskriptif analitis dengan pendekatan yuridis empiris, sedangkan data diperoleh, melalui penelitian kepustakaan dan penelitian lapangan. Selanjutnya data dianalisis secara kualitatif. Dari hasil penelitian ini disimpulkan, proses penyelesaian kredit macet yang ada di PT Bank Century Tbk dilakukan melalui dua cara yaitu proses penyelamatan kredit macet melalui program Reschedulling (Penjadwalan Kembali), Reconditioning (Persyaratan Kembali), Restructuring (Penataan Kembali) dan apabila tidak bisa diselamatkan maka akan dilakukan proses penyelesaian, melalui eksekusi terhadap agunan/jaminan kredit untuk membantu debitor memenuhi kewajibannya. Di PT Bank Century Tbk eksekusi terhadap agunan yang berupa Hak Tanggungan dilakukan sesuai Eksekusi Hak Tanggungan. Proses lelang terhadap objek Hak Tanggungan yang telah di eksekusi di PT Bank Century Tbk dilakukan melalui badan lelang negara yang berada di bawah Direktorat Jenderal Piutang dan Lelang Negara (DJPLN). Untuk dapat melakukan lelang di DJPLN, PT Bank Century Tbk mengajukan permohonan lelang kepada DJPLN melalui Kantor Pelayanan Keuangan Negara dan Lelang (KPKNL) dengan menyertakan persyaratan antara lain bukti wanprestasinya debitor dan sertifikat Hak Tanggungan. Kemudian dengan hasil yang didapat dari lelang, dilakukan pemenuhan hak-hak para pihak yaitu apabila hasil lelang lebih besar dari kewajiban debitor, maka sisanya akan dikembalikan kepada debitor atau pemilik objek Hak Tanggungan yang dilelang, sedangkan apabila kurang maka terhadap kekurangan itu akan dilakukan penghapus bukuan oleh bank terhadap kewajiban debitor tersebut. Bank is an institue of collector and distibutor of fund to the people. In its fuction as the distributor of fund, bank party may give the assistance to the people by the way of giving credit or loan. In distribution of credit, bank always oblige debitor party to prepare the collaterl among them is in the form of Responsibility Rights. By the collateral, bank as creditor may have preference rights for the payment of credit receivables if debitor is stagnant. But in its practice not all Responsibility Rights can fuction accordingly because there is resistence form the owner party and so on. In this research, it wil be discussed about hadndling stagnant credit and the execution of Responsibility Rights to settle stagnant credit conducted by PT Bank Century Tbk Main Office of Oprational Senayan and auction process of the collateral goods as the solution of stagnant crdit in PT Bank Century Tbk main office of operational Senayan and the fulfillment of parties’ righsts. This research is analytical descriptive with emperical juridical approach, while the data gathered through literature and field researches. The the data are analayzed qualitatively. From the result of this research it is conncluded that, the process of stagnant credit solution in PT Bank Century Tbk conducted in two ways, they are the process of credit safety through Reschedulling, Reconditioning, Restructuring and if it is not abe to secured, hence it will be conducted solution process through execution of collateral of credit to help debitor to fulfill its obligation. In PT Bank Century Tbk execution of collateral in the form of Responsibility Rights conducted in according to Responsibility Rights Execution. Auction process of Responsibility Rights objects executed in PT Bank Century Tbk conducted through state auction board that is under General Dirctorate of Receivables and State Auction (DJPLN). In order to be able to conduct auction in DJPLN, PT Bank Century Tbk proposes the auction application to DJPLN through the Office of State Financial Service and Auction (KPKNL) by enclosing the requirements, they are debitor stagnant evidense and Responsibility Rights Certificate. Then by the result obtained from the auction,, it is conducted the fulfillment of parties’ rights that is if the result of the auction is more than the debitor’s obligation, then the rest will be returned to the debitor or the owner of Responsibility Rights object aucted, while if it is insufficient, hance it will be conducted the write-off of the insufficient by the bank to the debitor obligation.