PENYELESAIAN KREDIT MACET DENGAN AGUNAN HAK TANGGUNGAN PADA BANK NAGARI CABANG PAINAN

Abstract

ABSTRACT Bad credit is the customer's inability to fulfill his obligations as a debtor, so that the debtor is late in paying loan installments. The formulation of the problem is: (1) What is the form of settlement of bad loans with Mortgage collateral at Bank Nagari Painan Branch. (2) What are the obstacles in settling bad loans with Mortgage collateral at Bank Nagari Painan branch. This type of research is sociological juridical. Sources of data include primary data and secondary data. Data collection techniques in this study were obtained through document studies and interviews. The data were analyzed qualitatively. Conclusions from the research results: (1) The form of settlement of bad loans with Mortgage collateral at Bank Nagari Branch of Painan by contacting customers first regarding arrears before taking the next step. (2) The obstacles faced are difficulties in coordinating mediation, incompatibilities price, and efforts to fight against the law by the debtor as well as the efforts taken in completing the execution process of executing the Mortgage is that the Bank does not directly execute the object of the Mortgage but takes an approach to solving the problem peacefully without execution.