PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) ANTARA BANK TABUNGAN NEGARA (BTN) CABANG PADANG DENGAN NASABAH
Abstract
The House Ownership Credit Agreement (KPR) between the State Savings Bank (BTN) Branch of Padang with customers during 2016 and 2017 there were 6,087 customers using KPR facilities, 1.5% of which were in default. Problem formulation: 1) What are the forms of default in the mortgage agreement between Bank BTN Padang Branch and customers? 2) What is the effort made by the Padang Branch BTN bank if the debtor defaults? This study uses sociological juridical methods. Data sources come from primary and secondary data, data collection techniques using interviews and document studies and qualitative data analysis. Research results 1) Forms of defaults in the mortgage agreement between Bank BTN Padang Branch and customers, delay in payment of credit installments from the agreed date in the agreement, customers do not pay credit installments for 90 (ninety) days, bad loans or customers do not pay the installment at all. 2) Efforts made by Bank BTN if the debtor defaults on sending a confirmation letter, giving a Warning Letter (SP) 1 to SP-3, if the customer does not pay, the bank will do the rescheduling, return requirements, realignment and agreement. transfer the debtor.
Â
Keywords: Agreement, Home Ownership Credit, Default
References
DAFTAR PUSTAKA
A. Buku-buku
Ahmadi Miru, 2014, Hukum Kontak dan Perancangan Kontrak, PT. Raja Gravindo Persada, Jakarta.
Ali Zainuddin, 2008, Hukum Perbankan Syariah, Sinar Grafika , Jakarta.
Andi Hamzah, 1990, Dasar dasar Hukum Perumahan, Rineka Cipta, Jakarta.
Hendri Pandapotan Panggabean, 2008, Hukum Perikatan, P.T. Alumni, Bandung.
Kasmir, 2002, Bank dan Lembaga Keuangan, Raja Grafindo Persada, Jakarta.
Ketut Oka S., 2016, Hukum Perikatan, Sinar Grafika, Jakarta.
Kusumohamidjojo dan Budiono, 1998, Dasar-dasar Merancang Kontrak, Gramedia Widiasarana, Jakarta.
Muhammad, 2005, Manajemen Dana Bank Syariah, Ekonosia, Yogyakarta.
Nasroen Yasabari dan Nina Kurnia Dewi, 2017, Penjamin Kredit Pengantar UKMK Mengakses Pembayaan, P.T. Alumni, Bandung.
R. Subekti, 1995, Aneka Perjanjian, Citra Adiyta Bakti, Bandung.
Rachmadi Usman, 1999,Pasal-Pasal tentang Hak Tanggungan atas Tanah, Djambatan, Jakarta.
Rachmadi Usman, 2001, Aspek-aspek Hukum Perbankan di Indonesia, PT. Gramedia Pustaka, Jakarta.
Salim HS,2001, Pengantar Hukum Perdata Tertulis (BW), Sinar Grafika, Jakarta.
Subekti, 2005, Hukum Perikatan, PT. Intermasa, Jakarta.
B. Perundang-undangan
Kitab Undang-Undang Hukum Perdata
Kitab Undang-Undang Hukm dagang
Undang-Undang Nomor 10 Tahun 1998 tentang Pokok-pokok Perbankan
Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah
Undang-Undang Nomor 1 Tahun 2011 tentang Perumahan dan Pemukiman
C. Sumber Lainnya
JBPIK Sleman, perlindungan hukum dalam proses perjanjian jual beli perumahan secara kredit, http://dokumen.tips/donlowad/link/, diakses tanggal 19 November 2017 pukul 19.30 WIB.
Anonim,2015, Hapusnya Perjanjian Kredit, http://asuransijiwakredit.blogspot.co.id, dikutip pada tanggal 10 Desember 2017, pukul 13.00 WIB.
Anonim, Pengertian dan Tujuan Pembiayaan, https://perpuskampus.com/, dikutip pada tanggal 11 Desember 2017, pukul 16.00 WIB.
Anonim,2015, Hapusnya Perjanjian Kredit, http://asuransijiwakredit.blogspot.co.id, dikutip pada tanggal 10 Desember 2017, pukul 13.00 WIB.
Anonim, Pengertian dan Tujuan Pembiayaan, https://perpuskampus.com/, dikutip pada tanggal 11 Desember 2017, pukul 16.00 WIB.
