PELAKSANAAN PEMENUHAN HAK KREDITUR TERHADAP NILAI JAMINAN FIDUSIA DEBITUR DIBAWAH NILAI PIUTANG DI PT BPR BERLIAN BUMI ARTA SLEMAN

RAHMAWATI, VANI (2009) PELAKSANAAN PEMENUHAN HAK KREDITUR TERHADAP NILAI JAMINAN FIDUSIA DEBITUR DIBAWAH NILAI PIUTANG DI PT BPR BERLIAN BUMI ARTA SLEMAN. S1 thesis, UAJY.

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Abstract

This minithesis entitled the implementation of fulfillment of creditors’ rights to the fiduciary guarantee value under the credit value in PT. BPR Berlian Bumi Arta Sleman. The purpose was to know the implementation of fulfillment of creditors’ rights to the fiduciary guarantee value that have capability to conduct it through the loaning agreement between the creditor in one hand and debtor in other hand. After the agreement was agreed, thus it established an obligation to creditor, i.e. submitting the money agreed to the debtor by rights to reaccept the money from the debtor in time. During both parties conduct their rights and obligation appropriately to the agreement, thus there will not be any case. Ordinarily, a case emerges if the debtor neglects to repay the debt in determined time. It means the debtor in a loaning agreement needs credit in the shape of property, i.e. fiduciary guarantee. Based on the aforementioned above explanation, thus it can be formulated a problem, i.e. how is the implementation of fulfillment of creditors’ right to fiduciary guarantee value of debtor under the credit value in PT. BPR Berlian Bumi Arta Sleman. The type of research was empirical research, i.e. a research focusing on the social attitude and this research needed primary data as main data as well secondary data. The method of analysis used was qualitative analysis, i.e. a research process that results analytical descriptive data, i.e. what had been stated by respondent in writing or orally and also the significant attitude being studied and investigated as whole. Based on the result of conducted research, the conclusion gained is the efforts conducted by the part of PT. BPR Berlian Bumi Arta always prioritize the familial method, e.g. requiring other guarantee as additional or the substitution on the lack of fulfillment of debtors’ obligation to PT. BPR Berlian Bumi Arta in Sleman to administratively conduct repetitive credit agreement (rescheduling, reconditioning, or restructuring) by keep on conducting re-analysis to know the debtors’ capability in order in future it can be conducted fluently appropriate to the plan in order to repay credit without bear burden to the debtor.

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