Perjanjian Pengikatan Jual Beli Hak Atas Tanah Sebagai Jaminan Kredit Hak Tanggungan

  • Jennis Kristina Universitas Katolik Darma Cendika
Keywords: Credit, PPJB, Cover Note

Abstract

Bank credit activities carried out with all internal policies must apply the principle of prudence. PPJB which is a binding agreement between the parties whose rights are not yet perfect, compilation is used as a guarantee of mortgage rights can be a cause of failure to fulfill the prudential principle. This research is a normative juridical research, using literature approach. The results of the discussion and conclusion of this study show: Bank's internal policy that states PPJB used as security of mortgage can be done using the process of making a Note Cover. This can bring the bank in the position of being stolen because making a Cover Note does not require an approved deed related to the buying and selling process such as a sale and purchase certificate or certificate. Furthermore, debtors who are negligent or have no good intentions, the Cover Note does not increase to become a certificate. Such participation makes the object to be requested or bound with mortgage rights still needed, so the position of the bank's creditors is threatened as concurrent creditors who do not have a special position of compilation in the credit process.

References

Buku:
Mulyati, Etty. 2016. Kredit Perbankan, Aspek Hukum dan Pengembangan Usaha Mikro Kecil dalam Pembanguna Perekonomian Indonesia, Refika Aditama.
Hariyani et.al, Iswi. 2018. Buku Pintar Perjanjian Kredit Dan Penyelesaian Piutang Macet, Yogyakarta: Andi.
Hariyani, et.al, Iswi. 2010. Bebas Jeratan Utang Piutang, Yogyakarta: Pustaka Yustisia.
Widiyono, Try, 2009, Aguan Kredit dalam Financial Engineering, Bogor: Ghalia Indonesia.


Makalah (Jurnal/Konferensi):
Firdaus, Riza. 2017. “Perlindungan Hukum Bagi Pembeli Dalam Perjanjian Pengikatan Jual Beli Tanah Yang Masig Berstatus Hak Pengelolaan”, Jurnal Lamjaj, Vol 2, Issue 1.
Dwi Ambarwati,et.al, Azkia. 2019. “Perjanjian Pengikatan Jual Beli Hak Atas Tanah Yang Terikat Jaminan Bank Studi kasus putusan nomor 704k/PDT/2016”, Jurnal Notary, Vol 1, Nomor 001.
Nehemia Sitinjak, Melda. 2016. “Analisis Yuridis Terhadap Perjanjian Pengikatan Jual Beli (PPJB) Unit Apartemen Sebagai Agunan Dalam Perjanjian Kredit Investasi Studi di PT. Bank Nationalbu TBK”, Jurnal Universitas Sumatera Utara, Volume 21.
Monica Podung, Detisa. 2016. Kredit Macet Dan Penerapan Prinsip Kehati-Hatian dalam Perbankan, Lex Crimen Vol. V/No. 3/Mar/2016.


Laporan Penelitian (Skripsi/Tesis):
Puspitasari, Metalia.“Eksekusi Objek Jaminan Fidusia Atas Debitor Yang Dinyatakan Pailit”, Skripsi, Universitas Airlangga, Surabaya.


Internet:
Anonim, Asas Pacta Sunt Servanda Tetap Berlaku dalam Konteks Jual-Beli Tanah Di Bawah Tangan, https://www.hukum-hukum.com/2017/06/pacta-suntservanda-jual-beli-tanah.html?m=1, diakses Tanggal 27 Januari, 2020
Published
2020-06-26
Section
Articles