Permohonan Eksekusi Lelang Jaminan Debitur Yang Melakukan Wanprestasi Terhadap Pt. Bank Pembiayaan Rakyat Syariah Situbondo Dikaitkan Dengan Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan Atas Tanah Beserta Benda-Benda Yang Berkaitan Dengan Tanah
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Abstract
There is a gap where a debtor who defaults has legal consequences to make compensation by auctioning the mortgage object guaranteed to the Islamic Bank where the value is much higher than the nominal amount the debtor is waiting for. Based on this, the authors found two problems, namely (1) What are the legal consequences of PT. The Situbondo Sharia People's Financing Bank that committed default? and (2) How is the legal protection for debtors of PT. The Situbondo Sharia People's Financing Bank that committed default? The specification of the research used by the writer is descriptive analytic. The method used by the author is the normative juridical method. The research stage used by the author is the library stage. The data collection technique used by the author is a literature study. The data collection tool used by the author is library data. And the analytical method or analytical tool used by the author is qualitative juridical. The conclusion obtained by the author is that the law of the debtor of PT. The Situbondo Sharia People's Financing Bank that commits a default is a debtor who is obliged to provide compensation, losses and interest to the creditor, if he has brought himself into a state of being unable to hand over the goods, or has not taken care of him properly in order to save him as stipulated in Article 1236 of the Civil Code. Legal protection for debtors of PT. The Situbondo Sharia People's Financing Bank which committed defaults still cannot be implemented because there is a legal vacuum or there are no regulations governing it, therefore if the debtor cannot pay compensation, the collateral submitted will have to be auctioned.
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