PELAKSANAAN EKSEKUSI HAK TANGGUNGAN TERHADAP KREDIT MACET PADA BANK NAGARI CABANG KOTA SOLOK

Abstract

ABSTRAK The form of execution of mortgage rights against bad credit is to give a letter of reprimand and an opportunity for the debtor to sell the collateral if it does not sell, the creditor will help sell the collateral. Mortgage rights are mortgage rights imposed on land rights. The formulation of the problem is: (1) What is the Form of Execution of Mortgage Rights on Bad Loans at Bank Nagari, Solok City Branch. (2) What are the Constraints and Efforts Made in Executing Mortgage Rights Against Bad Loans at Bank Nagari, Solok City Branch. Types of sociological legal research. The data sources used are primary and secondary data. data collection techniques by interviews and document studies and analyzed qualitatively. Based on the results of the study, it was obtained: (1) Forms of Execution of Mortgage Rights by having material rights to land or buildings that are used as collateral, the creditor has full power to execute collateral to get debt repayment if his intentions are not good. (2) Obstacles faced are difficulties in coordination, price discrepancies, and efforts against the law by the debtor. Efforts made to complete the process of executing the mortgage right are the bank adopting a peaceful settlement approach without execution. execution.