Internal Debt Recognition Position Credit Agreement and Deed of Granting Mortgage Rights by Land Deed Official (PPAT)
Abstract
This study aims to analyze the position of the debt acknowledgement deed in the legal relationship between the credit agreement and the deed of granting the Mortgage Rights made by the Land Deed Making Official (PPAT). The research uses a juridical-normative approach with an analysis of statutory documents, civil and agrarian law doctrine, as well as a study of court decisions and related notarial literature. The results of the study show that practice of making credit deeds, debt acknowledgement deeds, and APHT is strengthened through compliance with the formal provisions of UUHT and the provisions of HIR/RBg regarding grosse akta; PPAT and notaries must ensure the conformity of the contents of the deed with the main agreement and the completeness of the mandatory elements to reduce the potential for disputes and ensure legal certainty of mortgage rights. This research is expected to contribute to the study of agrarian law and the practice of financing problematic credit in Indonesia.
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Journals:
Mariam Darus Badrulzaman, Hukum Jaminan di Indonesia, (Bandung: Citra Aditya Bakti), 85-90; Indonesia, UU No. 4 Tahun 1996, 10–13.
Books:
H. P. Panggabean, Himpunan Putusan Mahkamah Agung RI Mengenai Perjanjian Kredit Perbankan Jilid 1, Bandung: Citra Aditya Bakti, 1992, hlm. 167 (Merujuk pada Putusan MA RI Nomor 3917 K/Pdt/1986).
H. Riduan Syahrani, Materi Dasar Hukum Acara Perdata, Bandung: Citra Aditya Bakti, 2000, hlm. 218. Bandingkan dengan Gatot Supramono, Perbankan dan Masalah Kredit, Jakarta: Djambatan, 1995.
M. Yahya Harahap, Perlawanan Terhadap Eksekusi Grosse Akta Serta Putusan Pengadilan dan Arbitrase dan Standart Hukum Eksekusi, Bandung: Citra Aditya Bakti, 1993.
Mariam Darus Badrulzaman, Perjanjian Kredit Bank, Bandung: Citra Aditya Bakti, 1991.
R. Subekti, Aneka Perjanjian, Cetakan Kesepuluh, Bandung: Citra Aditya Bakti, 1995.
R. Subekti, Jaminan-jaminan Untuk Pemberian Kredit Menurut Hukum Indonesia, Bandung: Alumni, 1978.
Salim HS, Hukum Kontrak, Teori & Teknik Penyusunan Kontrak, Jakarta: Sinar Grafika, 2008. Lihat juga M. Yahya Harahap, Hukum Acara Perdata, Jakarta: Sinar Grafika, 2007.
Soetarno Soedja, Grosse Akta Pengakuan Utang, Makalah Seminar Nasional, Surabaya, 1988.
Victor M. Situmorang & Cormentyna Sitanggang, Grosse Akta Dalam Pembuktian dan Eksekusi, Jakarta: Rineka cipta, 1992.
Regulation:
Indonesia, Supreme Court, Letter and Decision of the Supreme Court Number 213/229/86/UM-TU-/PDT concerning the Conditions for the Gross Execution of a Deed of Acknowledgment of Debt.
Indonesia, Law concerning Mortgage Rights over Land and Objects Related to Land, Law no. 4 of 1996, LN No. 42 of 1996, TLN No. 3632, Ps. 1 paragraph (1).
Indonesia, Law on Fiduciary Guarantees, Law No. 42 of 1999, LN No. 168 of 1999, Supplement to LN No. 3889, Articles 1–3; Supreme Court of the Republic of Indonesia, Decision No. 372K/SIP/1970 dated 1 September 1971.
Indonesia, Law No. 42 of 1999, Articles 5–13.
Law of the Republic of Indonesia Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking.
Republic of Indonesia Law Number 30 of 2004 concerning the Position of Notary, Article 1 paragraph (1).
See also Article 1891 of the Civil Code regarding the criteria for original title.
Republic of Indonesia Law Number 30 of 2004 concerning the Position of Notary, Article 57.
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