"[
ABSTRAKTesis ini membahas tentang pelaksanaan eksekusi jaminan melalui lelang yang
dilaksanakan oleh PT Bank Mega Tbk Bandung sebagai penyelesaian kredit
bermasalah.Tujuan dilakukannya penulisan Tesis ini adalah untuk mengetahui dan
menganalisa prosedur eksekusi lelang jaminan yang dilakukan oleh PT Bank Mega
Tbk Bandung, juga untuk mengetahui mengenai prosedur penetapan harga limit
barang jaminan yang merupakan nilai limit untuk suatu pelelangan jaminan. Penelitian
ini menggunakan metode deskriptif analitis yang melukiskan fakta-fakta hukum yang
ada dan di hubungkan dengan hukum jaminan khususnya jaminan kebendaan dalam
perjanjian kredit di perbankan. Berdasarkan hasil penelitian yang dilakukan, Penulis
dapat mengetahui bahwa meskipun terdapat kendala dalam pelaksanaan prakte
eksekusi Hak Tanggungan yang dilakukan oleh PT Bank Mega Tbk Bandung, namun
pratek eksukusi HakTanggungan dapat berperan baik dalam menyelesaikan kredit
bermasalah. Penulis juga menyimpulkan bahwa terdapat inkonsistensi pengaturan
dalam praktek eksekusi Hak Tanggungan dalam Undang-Undang Hak Tanggungan.
Berdasarkan hasil penelitian yang dilakukan, Penulis menyarankan agar pihak
pembuat undang-undang membuat peraturan pelaksanaan dari Undang-Undang Hak
Tanggungan agar peraturan ini lebih memberikan kepastian hukum dan juga menjadi
peraturan yang lebih efektif. Penulis juga melakukan penelitian mengenai prosedur
penetapan limit barang jaminan, di mana dalamkasus ini, pihak debitor mengalami
kerugian akibat penetapan harganya dibawah harga pasar wajar. Penulis juga
menyimpulkan bahwa pembentukkan nilai limit dipengaruhi oleh beberapa faktor
yang cukuppenting, seperti penunjukkan kantor penilai yang independen, penggunaan
media dalam pengumuman lelang dan tatacara pelelangan. Penulis juga berkesimpulan
bahwa kedudukan kreditor yang sangat kuat, sering kali menempatkan debitor dalam
kedudukan yang tidakseimbang. Peranan pemerintah dalam pembuatan undangundang
yang dapat melindungi keduabelah pihak, sangatlah ditunggu oleh masyarakat
ABSTRACTThis thesis focuses and analyzes the implementation of the self-enforcement of Hak
Tanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlement
of non-performing loan. The purposes of this thesis are to investigate and analyze the
role of the self-enforcement of Hak Tanggungan in resolving non-performing loan. It
also focuses on obstacles encountered, and analyzis the consistency of self
enforcement arrangements in Indonesia Law of HakTanggungan . This thesis is using
analytical descriptive study that describes the legal fact relating to security law
especially for material in credit agreement in banking. Based on the result of research
conducted, the Author is able to know that although there are obstacles in the
implementation of the self-enforcement of Hak Tanggungan by PT Bank Mega Tbk
Bandung, the self-enforcementof Hak Tanggungan play a significant role in solving
the non-performing loans. The Author also concluded that there is inconsistency of
self-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on the
resultof the research, the Author suggests that the government should make detail
regulation to implement the law of Hak Tanggungan. This could increase the legal
certainty of the process and to the all parties that involved in the process. Another
interesting point in this thesis is about the reserve price collateral value, which in this
case, the debtor suffered losses due to pricing below market price. It is also concluded
that the minimum value formation is influenced by several factors, such as the
appointment of an independent valuer, the use of media in the auction advertisement
and procedures for the auction. The authors also concluded that the position of
creditors is very strong, often putting debtors in a weaker position. In this respect the
role of government and law maker in making fairer and more balance regulation is
needed in order to protect both parties., This thesis focuses and analyzes the implementation of the self-enforcement of Hak
Tanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlement
of non-performing loan. The purposes of this thesis are to investigate and analyze the
role of the self-enforcement of Hak Tanggungan in resolving non-performing loan. It
also focuses on obstacles encountered, and analyzis the consistency of self
enforcement arrangements in Indonesia Law of HakTanggungan . This thesis is using
analytical descriptive study that describes the legal fact relating to security law
especially for material in credit agreement in banking. Based on the result of research
conducted, the Author is able to know that although there are obstacles in the
implementation of the self-enforcement of Hak Tanggungan by PT Bank Mega Tbk
Bandung, the self-enforcementof Hak Tanggungan play a significant role in solving
the non-performing loans. The Author also concluded that there is inconsistency of
self-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on the
resultof the research, the Author suggests that the government should make detail
regulation to implement the law of Hak Tanggungan. This could increase the legal
certainty of the process and to the all parties that involved in the process. Another
interesting point in this thesis is about the reserve price collateral value, which in this
case, the debtor suffered losses due to pricing below market price. It is also concluded
that the minimum value formation is influenced by several factors, such as the
appointment of an independent valuer, the use of media in the auction advertisement
and procedures for the auction. The authors also concluded that the position of
creditors is very strong, often putting debtors in a weaker position. In this respect the
role of government and law maker in making fairer and more balance regulation is
needed in order to protect both parties.]"
