PENYELESAIAN KREDIT MACET DENGAN JAMINAN FIDUSIA YANG OBJEK JAMINAN TELAH BERALIH KE PIHAK KETIGA (Studi Kasus Di PT BPR Kepri Bintan)

Abstract

Settlement of bad loans with fiduciary guarantees at PT Bank Perkreditan Rakyat (BPR) Kepri Bintan There are still problems when the fiduciary that is pledged will be executed. Which in practice at PT Bank Perkreditan Rakyat (BPR) Kepri Bintan there are cases, namely the debtor secretly deliberately selling cars that are used as fiduciary guarantees at the bank, without the knowledge of PT Bank Perkreditan Rakyat (BPR) Kepri Bintan. This can be an obstacle to creditors or PT Bank Perkreditan Rakyat (BPR) Kepri Bintan in carrying out the execution with the fiduciary guarantee. The purpose of this research is to find out what are the terms and procedures for channeling funds in the form of loans based on fiduciary collateral at PT BPR Kepri Bintan nd to find out how the settlement of bad loans with fiduciary collateral whose object of collateral has been transferred to a third party at PT BPR Kepri Bintan. The research approach used in this study s a statutory approach and type of normative research. The results of this study are the terms and procedures granting credit with fiduciary collateral at PT Bank Perkreditan Rakyat (BPR) Kepri Bintan the same as other guarantees the difference is granting credit with fiduciary collateral must be made a Fiduciary Deed of Guarantee and registered Settlement of bad loans with fiduciary guarantees which are collateral objects has been transferred to a third party can be resolved through non litigation because it is based fiduciary guarantee certificate creditors have preference rights to withdraw the collateral object from third parties.