Execution of Second-Rank Mortgage Rights Due to breach of contract at PT Bank Sulutgo

Authors

  • Rizky Fauzi R Zees Program Master of Notary, Faculty Of Law, Brawijaya University, Indonesia
  • Djumikasih Faculty Of Law, Brawijaya University, Indonesia
  • Yeni Eta Widyanti Faculty Of Law, Brawijaya University, Indonesia

Keywords:

Effectiveness, Execution Of Mortgage Rights, Banking Law, Breach Of Contract

Abstract

This study aims to analyze the effectiveness of Article 20, Paragraph (2) of Law Number 4 of 1996 on Mortgage Rights in the execution of mortgage guarantees due to Breach Of Contract, with a focus on the case of PT Bank Sulutgo. The main issue examined is the challenges in executing Second-Rank Mortgage Rights when multiple creditors are involved, as well as the legal uncertainty surrounding the private sale mechanism. This research employs an empirical juridical method with a socio-legal approach, combining document studies and interviews with relevant parties at PT Bank Sulutgo. The findings indicate that execution through public auction often encounters administrative and legal obstacles, particularly concerning the position of the Second-Rank Mortgage Rights holder, who is dependent on the First-Rank Mortgage Rights holder. Furthermore, the lack of clear regulations regarding the execution of Second-Rank Mortgage Rights leads to multiple interpretations in practice. As an alternative, private sales provide a more flexible solution; however, in the case of PT Bank Sulutgo, this mechanism negatively impacts other debtors who still have outstanding credit obligations. This study concludes that the effectiveness of Article 20, Paragraph (2) of the Mortgage Rights Law remains weak in providing legal certainty for Second-Rank Mortgage Rights holders. Therefore, more detailed regulations on the execution mechanism of Second-Rank Mortgage Rights are necessary to ensure legal protection for all parties involved.

Downloads

Download data is not yet available.

References

[1] Adiyanta, F.C. Susila. “Hukum Dan Studi Penelitian Empiris: Penggunaan Metode Survey Sebagai Instrumen Penelitian Hukum Empiris.” Administrative Law and Governance Journal 2, no. 4 (November 8, 2019): 697–709. https://doi.org/10.14710/alj.v2i4.697-709;

[2] Agustina, Rosa. Prosedur Dan Tata Cara Eksekusi Objek Hak Tanggungan. Surabaya: Citra Ilmu, 2007;

[3] Amelia, Liza, and Doni Marlius. “Pengendalian Kredit Dalam Upaya Menciptakan Bank Yang Sehat Pada PT. Bank Pembangunan Daerah Sumatera Barat Cabang Utama Padang" December 4, 2018, https://doi.org/10.31227/osf.io/kpc64;

[4] Commercial Credit Analyst PT Bank Sulutgo. “Primary Data, Interview.” May 23, 2024. Debitur PT. ST dan PT. SKM. “Primary Data, Interview.” March 15, 2024.

[5] Department Heads of Bank Sulutgo. “Primary Data, Interview.” January 12, 2024;

[6] Djumhana, Muhamad. Hukum Perbankan Di Indonesia. Bandung: PT Citra Aditya Bakti, 2012;

[7] Efendi, Jonaedi, and Johnny Ibrahim. Metode Penelitian Hukum Normatif Dan Empiris. Jakarta: Prenadamedia, 2018;

[8] Harsono, Boedi. Hukum Agraria Indonesia: Sejarah Pembentukan Undang-Undang Pokok Agraria Dan Pelaksanaannya. Jakarta: Universitas Trisakti, 2013;

[9] Hernoko, Agus Yudha. “Lembaga Jaminan Hak Tanggungan Sebagai Penunjang Kegiatan Perkreditan Perbankan Nasional.” Tesis, Universitas Airlangga, 1998;

[10] Hirsanuddin, Hirsanuddin, and Sudiarto Sudiarto. “Perlindungan Hukum Bagi Para Pihak (Kreditur Dan Debitur) Melalui Parate Executie Obyek Hak Tanggungan.” Jurnal IUS Kajian Hukum Dan Keadilan 9, no. 1 (April 26, 2021): 253–67, https://doi.org/10.29303/ius.v9i1.890;

[11] Hutagalung, Arie Sukanti. Serba Aneka Masalah Tanah Dalam Kegiatan Ekonomi, Suatu Kumpulan Karangan. Jakarta: Fakultas Hukum, Universitas Indonesia, 1999;

[12] Iman, Zenza Bronica, Patricia Audrey Ruslijanto, and Arini Jauharoh. “The Urgency of Regulating the Measure of Violation in Terms of Sanctioning Notary.” NEGREI: Academic Journal of Law and Governance 4, no. 2 (November 25, 2024): 203–22.https://doi.org/10.29240/negrei.v4i2.11406;

[13] Jamilah, Lailatul. “Analisis Aplikasi Prinsip 5C Terhadap Penyaluran Kredit Modal Kerja PT Bank Rakyat Indonesia (Studi Kasus Pada PT Anugerah Surya Cemerlang Sejati Malang).” Jurnal Ilmiah Mahasiswa FEB 3, no. 2 (April 8, 2016): 1–9. https://jimfeb.ub.ac.id/index.php/jimfeb/article/view/2221;

[14] Kasiani, Kasiani, and Weppy Susetiyo. “Pengaturan Dan Kedudukan Debitur Wanprestasi Dalam Proses Eksekusi Penjualan Objek Hak Tanggungan Milik Pihak Ketiga Secara Di Bawah Tangan.” Jurnal Supremasi, March 24, 2024, 87–104. https://doi.org/10.35457/supremasi.v14i1.2865;

[15] Landina, Permata Arina Iasya, Marjo, and Moch Djais. “PELAKSANAAN LELANG ATAS BARANG MILIK DAERAH MELALUI INTERNET (E-AUCTION) OLEH KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG (KPKNL) SEMARANG.” Diponegoro Law Journal 5, no. 2 (2016): 1–18. https://doi.org/https://doi.org/10.14710/dlj.2016.11296;

[16] Muljadi, Kartini, and Gunawan Widjaja. Hak Tanggungan. Jakarta: Kencana Prenada Media Group, 2006.

[17] Niswah, Khoirun, and Khairina Tambunan. “Analisis Strategi Manajemen Bank Syariah Indonesia Dalam Meningkatkan Market Share Melalui Pemanfaatan Teknologi Informasi.” El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 3, no. 6 (August 6, 2022): 1272-89 https://doi.org/10.47467/elmal.v3i6.1210;

[18] Novita, Ria Ayu, Agung Basuki Prasetyo, and Suparno. “EFEKTIVITAS PELAKSANAAN UNDANG-UNDANG NOMOR 2 TAHUN 1960 TENTANG PERJANJIAN BAGI HASIL TANAH PERTANIAN (TANAH KERING) DI DESA BRINGIN, KECAMATAN BAYAN, KABUPATEN PURWOREJO.” Diponegoro Law Journal 6, no. 2 (July 2017): 1–12. https://doi.org/https://doi.org/10.14710/dlj.2017.16975;

[19] Nugrohandhini, Dwi, and Etty Mulyati. “AKIBAT HUKUM GUGATAN DAN PERLAWANAN TERHADAP LELANG EKSEKUSI HAK TANGGUNGAN.” Jurnal Bina Mulia Hukum 4, no. 1 (September 13, 2019): 35–52.https://jurnal.fh.unpad.ac.id/index.php/jbmh/article/view/63/18.

[20] Nurisnaini, Andina Purba. “EKSEKUSI HAK TANGGUNGAN PERINGKAT KEDUA AKIBAT KREDIT MACET (STUDI KASUS PADA PT. BANK RAKYAT INDONESIA (PERSERO), TBK.).” Tesis, Univiersitas Gajah Mada, 2021.

[21] Poesoko, Herowat. Dinamika Hukum Parate Executie Obyek Hak Tanggungan . Yogyakarta: Aswaja Pressindo, 2023.

[22] Putra, Ida Bagus Angga Wijaya, and I Komang Agus Ariana. “PENGEMBANGAN USAHA MIKRO, KECIL DAN MENENGAH TERHADAP PENYALURAN KREDIT USAHA RAKYAT.” Jurnal Abdimas Gorontalo 7, no. 1 (December 30, 2024): 28–34. https://doi.org/https://doi.org/10.30869/jag.v7i1.1357;

[23] Putra Suwadi, Dimas Nur Arif “PERLINDUNGAN HUKUM BAGI BANK PEMEGANG HAK TANGGUNGAN PERINGKAT KEDUA DALAM EKSEKUSI OBJEK HAK TANGGUNGAN.” Media Iuris 1, no. 3 (December 18, 2018): 420. https://doi.org/10.20473/mi.v1i3.10183;

[24] Putri, Sekar Rizqi Triroosa, Afifah Kusumadara, and R. Imam Rahmat Sjafi’i. “Notary’s Responsibility for Making Deed of Statement Related to Sale and Purchase Deed Containing Nominee Element.

[25] Qomariyah, Qomariyah. “ANALISIS APLIKASI 5C (CHARACTER, CAPACITY, CAPITAL, CONDITIONAL, AND COLLATERAL) PADA PEMBIAYAAN MURABAHAH DI BMT MANDIRI UKHUWAH PERSADA.” El-Qist: Journal of Islamic Economics and Business (JIEB) 5, no. 2 (October 25, 2015): 1112–24. https://doi.org/10.15642/elqist.2015.5.2.1112-1124.

[26] Sibuea, Harris Yonatan Parmahan. “PENEGAKAN HUKUM PENGATURAN MINUMAN BERALKOHOL (LAW ENFORCEMENT REGULATION OF ALCOHOLIC BEVERAGES).” Negara Hukum 7, no. 1 (June 17, 2016): 127–43. https://doi.org/http://dx.doi.org/10.22212/jnh.v7i1.926.

[27] Sumangando, Thivany Icci, and Grace B. Nangoi. “EVALUATION OF THE INTERNAL CONTROL APPLICATION FOR THE PROCESS OF ACCEPTANCE AND RETURN OF COLLATERAL AT PT. PEGADAIAN (PERSERO) UPC RATAHAN.” Jurnal EMBA : Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi 3, no. 2 (July 22, 2015): 375–499. https://doi.org/https://doi.org/10.35794/emba.3.2.2015.8577;

[28] Sumeisey, Clara L. “EKSEKUSI BENDA JAMINAN YANG DIBEBANI HAK TANGGUNGAN KETIKA DEBITUR PAILIT.” LEX ET SOCIETATIS 2, no. 9 (January 19, 2014): 5–17. https://doi.org/https://doi.org/10.35796/les.v2i9.6382;

[29] Susila, Wahyu. “Pelaksanaan Parate Eksekusi Hak Tanggungan Sebagai Alternatif Penyelesaian Kredit Bermasalah (Studi Kasus PT. BPR Profidana Paramitra Yogyakarta).” Tesis, Universitas Islam Indonesia, 2019;

[30] Sutedi, Andrian. Hukum Hak Tanggungan. Jakarta: Sinar Grafika, 2001;

[31] Tampi, Celline Gabrielle, Lucky Endrawati, and Amelia Sri Kusumadewi. “Challenges in The Implementation of Regulations in The Drafting of Cooperative Deeds in Manado.” NEGREI: Academic Journal of Law and Governance 4, no. 2 (November 15, 2024): 139–62.

https://doi.org/10.29240/negrei.v4i2.11136.

Downloads

Published

2025-05-16

How to Cite

Zees, R. F. R., Djumikasih, & Widyanti, Y. E. (2025). Execution of Second-Rank Mortgage Rights Due to breach of contract at PT Bank Sulutgo. NEGREI: Academic Journal of Law and Governance, 5(1), 27–43. Retrieved from https://journal.iaincurup.ac.id/index.php/negrei/article/view/12406

Issue

Section

Articles

Citation Check