?url_ver=Z39.88-2004&rft_id=2112011310&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+YURIDIS+LELANG+EKSEKUSI+JAMINAN+KREDIT%0D%0APERBANKAN+%0D%0A(Studi+Putusan+Nomor+5%2FPdt.G%2F2021%2FPN+Lbh)+&rft.creator=ALSY%2C+FAISAL&rft.subject=340+Ilmu+hukum&rft.subject=341+Hukum-hukum+negara&rft.subject=346+Hukum+privat%2C+hukum+perdata&rft.description=Jaminan+kredit+berfungsi+sebagai+garansi+bahwa+debitur+dapat+melunasi%0D%0Autangnya.+Jika+terjadi+permasalahan+kredit%2C+jaminan+juga+berfungsi+sebagai%0D%0Apengganti+utang+debitur.+Pada+Putusan+Nomor+5%2FPdt.G%2F2021%2FPN+Lbh%2C+dalam%0D%0Aperjanjian+kreditnya+terdapat+jaminan+berupa+Asuransi+Jiwa+dan+Hak+Tanggungan.%0D%0ASaat+kredit+berlangsung+debitur+meninggal+dunia+yang+mengakibatkan+di%0D%0Aeksekusinya+Hak+Tanggungan%2C+karena+debitur+tidak+dapat+melunasi+utangnya.%0D%0ATerhadap+eksekusi+ahli+waris+debitur+merasa+keberatan+dengan+alasan+masih%0D%0Aterdapat+Asuransi+Jiwa+dalam+perjanjian+kredit.+Permasalahan+dalam+penelitian+ini%0D%0Aadalah+tentang+kedudukan+dari+jaminan-jaminan+kredit+perbankan%2C+dimana%0D%0Akreditur+melakukan+eksekusi+terhadap+salah+1+(satu)+jaminan+yaitu+Hak%0D%0ATanggungan.+Hak+Tanggungan+tersebut+selanjutnya+dilelang%2C+kemudian+terhadap%0D%0Aproses+lelang+tersebut+dipermasalahkan+prosesnya.+%0D%0AJenis+penelitian+ini+adalah+penelitian+hukum+normatif+dengan+tipe%0D%0Apenelitian+secara+deskriftif.+Pendekatan+masalah+yang+digunakan+adalah%0D%0Apendekatan+peraturan+perundang-undangan+dan+pendekatan+kasus.+Pengumpulan%0D%0Adata+dilakukan+dengan+studi+kepustakaan+dan+studi+dokumen.+Kemudian+data%0D%0Adiolah+melalui+pemeriksaan+data%2C+klasifikasi+data%2C+dan+sistematika+data%2C+serta%0D%0Adianalisis+secara+kualitatif.+%0D%0AHasil+penelitian+ini+menunjukan+bahwa+jaminan+Asuransi+Jiwa%0D%0Akedudukannya+lebih+utama+dalam+pelunasan+kredit+daripada+jaminan+Hak%0D%0ATanggungan.+Hal+itu+hanya+berlaku+apabila+semua+syarat+dari+kedua+jaminan%0D%0Aterpenuhi.+Untuk+kredit+pada+Putusan+Nomor+5%2FPdt.G%2F2021%2FPN+Lbh%2C+hanya+Hak%0D%0ATanggungan+yang+dapat+menjadi+pengganti+utang+debitur.+Fakta+bahwa+telah%0D%0Adihilangkannya+Asuransi+Jiwa+pada+addendum+kedua+perjanjian+kredit+menjadikan%0D%0AHak+Tanggungan+sebagai+satu-satunya+jaminan.+Berdasarkan+hal+tersebut%2C+maka%0D%0Akreditur+berhak+melakukan+eksekusi+terhadap+Hak+Tanggungan.+Pada+pelaksanaan%0D%0Alelang+Hak+Tanggungan+ditemukan+ketidaksesuaian+dengan+peraturan+perundangundangan%2C%0D%0A%0D%0Ayaitu+tidak+terpenuhinya+persyaratan+dokumen+khusus+berdasarkan%0D%0APeraturan+Menteri+Kuangan+Nomor+123%2FPMK.06%2F2020+tentang+Petunjuk%0D%0APelaksanaan+Lelang.+Bahwa+wajib+adanya+pemberitahuan+kepada+debitur+dan%0D%0Aadanya+pengumuman+melalui+surat+kabar%2C+sehingga+terhadap+proses+pelaksanaan%0D%0Alelangnya+Lbh+timbul+ketidaksesuaian+dengan+peraturan+perundang-undangan.+%0D%0AKata+Kunci%3A+Hak+Tanggungan%2C+Jaminan%2C+Lelang.%0D%0A%0D%0ACredit+collateral+functions+as+collateral+so+that+debtors+can+pay+off+their%0D%0Adebts.+If+bad+credit+occurs%2C+collateral+also+functions+as+a+replacement+for+the%0D%0Adebtor's+debt.+In+Decree+Number+5%2FPdt.G%2F2021%2FPN+Lbh%2C+in+the+credit+agreement%0D%0Athere+is+collateral+in+the+form+of+Life+Insurance+and+Mortgage+Rights.+While+the%0D%0Acredit+is+in+progress%2C+the+debtor+dies+which+results+in+the+execution+of+the+mortgage%0D%0Aright%2C+because+the+debtor+cannot+pay+off+the+debt.+Regarding+this+execution%2C+the%0D%0Adebtor's+heirs+felt+approved+on+the+grounds+that+there+was+still+Life+Insurance+in%0D%0Athe+credit+agreement.+The+problem+in+this+research+is+regarding+the+position+of%0D%0Abank+credit+guarantees%2C+where+the+creditor+executes+1+(one)+guarantee%2C+namely%0D%0AMortgage+Rights.+The+mortgage+rights+are+then+auctioned%2C+and+then+the+auction%0D%0Aprocess+is+questioned.+%0D%0AThis+type+of+research+is+normative+legal+research+with+descriptive+research%0D%0Atype.+The+problem+approaches+used+are+the+statutory+regulations+approach+and+the%0D%0Acase+approach.+Data+collection+was+carried+out+by+literature+study+and+document%0D%0Astudy.+Then+the+data+is+processed+through+data+examination%2C+data+classification%2C%0D%0Aand+data+systematics%2C+and+analyzed+qualitatively.+%0D%0AThe+results+of+this+study+indicate+that+Life+Insurance+guarantees+are+more%0D%0Aimportant+in+repayment+of+credit+than+mortgage+guarantees.+This+only+applies+if+all%0D%0Athe+conditions+of+both+guarantees+are+met.+For+credit+in+Decision+Number%0D%0A5%2FPdt.G%2F2021%2FPN+Lbh%2C+only+Mortgage+Rights+can+be+a+substitute+for+the+debtor's%0D%0Adebt.+With+the+elimination+of+Life+Insurance+in+the+second+addendum+to+the+credit%0D%0Aagreement%2C+the+Mortgage+is+the+only+collateral.+Based+on+this%2C+creditors+have+the%0D%0Aright+to+execute+Mortgage+Rights.+In+the+implementation+of+the+Mortgage+Rights%0D%0Aauction%2C+discrepancies+were+found+with+statutory+regulations%2C+namely+the+failure+to%0D%0Afulfill+special+document+requirements+based+on+Minister+of+Finance+Regulation%0D%0ANumber+123%2FPMK.06%2F2020+concerning+Auction+Implementation+Instructions.+That%0D%0Athere+must+be+notification+to+the+debtor+and+an+announcement+in+the+newspaper%2C+so%0D%0Athat+in+the+process+of+holding+the+auction+there+will+be+discrepancies+with+statutory%0D%0Aregulations.+%0D%0AKeywords%3A+Deceased+Customer%2C+Guarantee%2C+Auction.+&rft.publisher=FAKULTAS+HUKUM&rft.date=2025-02-14&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F88035%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F88035%2F2%2FSKRIPSI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F88035%2F3%2FSKRIPSI%2520FULL%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++ALSY%2C+FAISAL++(2025)+ANALISIS+YURIDIS+LELANG+EKSEKUSI+JAMINAN+KREDIT+PERBANKAN+(Studi+Putusan+Nomor+5%2FPdt.G%2F2021%2FPN+Lbh).++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F88035%2F