GUGATAN PERBUATAN MELAWAN HUKUM TERHADAP PROSES LELANG AGUNAN DEBITUR MACET OLEH BANK

Abstract

ABSTRAK

Penyelesaian kredit bermasalah dalam industri perbankan dewasa ini merupakan permasalahan kompleks dan memerlukan banyak strategi agar bank mendapatkan kembali haknya. Lelang agunan kredit merupakan salah satu upaya efektif dalam penyelesaian kredit debitur macet. Bank selaku kreditur preferen mempunyai hak untuk menjual obyek hak tanggungan atas kekuasaan sendiri melalui pelelangan umum serta mengambil pelunasan piutangnya dari hasil penjualan. Namun dalam proses lelang banyak ditemukan hambatan, salah satunya adanya gugatan perbuatan melawan hukum yang diajukan debitur kepada pihak bank. Hal ini berpotensi menimbulkan tertundanya kembali pemenuhan kewajiban debitur macet kepada bank sehingga sangat merugikan bank dan secara luas berdampak pada dunia bisnis dan perekonomian Indonesia.

Kata kunci: gugatan; kredit; lelang.

ABSTRACT

The settlement of non performing loans (NPLs) in banking industry nowadays is a complex problem and require many strategies in order bank to regain credit. Credit collateral auction is one of the effort which is considered effective in settling non-performing debtor’s credit. Bank as preferred creditor has the right to sell mortgage object on its own power through a public auction and collect repayment debt from the sales. Nevertheless in the auction process many obstacles were found, one of which was a lawsuit against the law filled by the debtor against the bank. This has the potential to cause delays in the fulfillment of non-performing debtor’s obligations to banks, which is very detrimental to banks and has a broad impact on the business world and Indonesian economy.

Keywords: auction; lawsuit; loans.