PERANAN BALAI LELANG SWASTA TERHADAP PELAKSANAAN LELANG

Dinalara Dermawati Butarbutar

Abstract


ABSTRAK

Hubungan perkreditan diawali dengan pembuatan kesepakatan antara nasabah (debitur) dan bank (kreditur) yang dituangkan dalam bentuk perjanjian kredit. Dalam transaksi perkreditan atau peminjaman uang, terdapat dua jenis perikatan ditinjau dari segi pemenuhan pembayaran kembali uang yang dipinjam. Pertama, transaksi kredit tanpa jaminan atau unsecured transaction. Kedua, transaksi kredit yang dilindungi jaminan atau secured transaction. Hal ini tentu berkaitan dengan risiko yang mungkin saja terjadi apabila terdapat kegagalan dalam pelunasan utang oleh debitur. Debitur yang tidak dapat memenuhi prestasi secara sukarela, maka kreditur mempunyai hak untuk menuntut pemenuhan piutangnya, yaitu terhadap harta kekayaan debitur yang dipakai sebagai jaminan. Penyelesaian kredit macet diharapkan dapat lebih terfokus dan terarah, sehingga pencapaian hasil dapat optimal. Penyelesaian kredit macet tahap awal sebelum terjadinya eksekusi biasanya dilakukan melalui negosiasi dan upaya terakhir yang dilakukan melalui litigasi, hal ini merupakan proses dalam mengeksekusi atau menjual barang yang dijadikan jaminan utang melalui penjualan lelang. Penjualan lelang ini dapat dilakukan melalui Pengadilan Negeri, Kantor Pelayanan Piutang danLelang Negara (KP2LN) dan Balai Lelang, bagi bank-bank swasta dapat melakukan parate eksekusi melalui Balai Lelang Swasta, yang pelaksanaannya lebih cepat dan pasti dibandingkan dengan KP2LN. Sehubungan dengan hal tersebut penulis melakukan pengkajian terhadap Peranan Balai Lelang Swasta Terhadap Pelaksanaan Lelang Objek jaminan tersebut.

 

Kata Kunci: Kreditur, Debitur, Balai Lelang Swasta, Lelang.


ABSTRACT

The credit relationship begins with making an agreement between the customer (the debtor) and the bank (the creditor) as outlined in the form of a credit agreement. In credit transactions or money lending, there are two types of engagement in terms of meeting the repayment of borrowed money. First, unsecured credit transactions. Second, credit transactions that are protected by collateral or secured transactions. This certainly relates to risks that might occur if there is a failure in paying off debts by the debtor. Debtors who cannot fulfill their achievements voluntarily, the creditor has the right to claim the fulfillment of his receivables, namely the debtor's assets used as collateral. Non-performing loan settlement is expected to be more focused and targeted, so that optimal results can be achieved. Settlement of bad loans at the initial stage before the execution is usually done through negotiations and the last attempt made through litigation, this is the process of executing or selling goods that are used as collateral for debt through auction sales. This auction sale can be done through the District Court, the Office of Receivables and State Auctions (KP2LN) and the Auction Hall, for private banks to parate execution through the Private Auction Hall, which is faster and more certain compared to KP2LN. In connection with this the authors conducted a study of the Role of Private Auction Centers Against the Implementation of the Guaranteed Object Objects.

Keywords: Creditors, Debtors, Private Auction Centers, Auctions.



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DOI: 10.33751/palar.v1i1.924 Abstract views : 45 views : 316

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