relation: https://eprints.untirta.ac.id/48780/
title: PERLINDUNGAN HUKUM TERHADAP NASABAH ATAS EKSEKUSI JAMINAN KREDIT OLEH BANK BJB KANTOR CABANG KHUSUS BANTEN DIHUBUNGKAN DENGAN UNDANG – UNDANG REPUBLIK INDONESIA NOMOR 10TAHUN 1998 TENTANGPERUBAHAN ATAS UNDANG – UNDANG NOMOR 7 TAHUN 1992 TENTANG PERBANKAN   (Studi Kasus Pelaksanaan Lelang di KPKNL Serang)
creator: Ridwan, Muhammad
subject: K Law (General)
description: The execution auction of mortgage rights under Article 6 of the Mortgage Law often  leads to legal disputes, particularly from debtors who feel disadvantaged by the low  limit price set by creditors. In some cases, even though the limit price is determined  based on an assessment by a Public Appraisal Service Office (Kantor Jasa Penilai  Publik – KJPP), debtors believe that the valuation does not reflect the fair market  value of the collateral. This has led some debtors to seek a reassessment from another  KJPP, resulting in significantly higher market and liquidation values compared to the  limit price set by the creditor. In certain instances, the limit price determined by the  creditor is even lower than the liquidation value obtained by the debtor’s  reassessment, raising concerns about fairness and transparency in the auction  process. This study aims to analyze the mechanism of mortgage right execution  auctions, the legal protection available to debtors, and the legal remedies that can be  pursued when the limit price falls below the liquidation value. This research adopts a  normative-empirical legal approach, utilizing statutory and case study analysis. The  findings indicate that although KJPP assessments are intended to ensure transparency  and objectivity, discrepancies between the valuation results of different KJPPs create  legal uncertainty. Creditors tend to set the limit price based on the lower liquidation  value, which may disadvantage debtors by reducing their chances of receiving any  remaining proceeds from the sale of their collateral. To safeguard debtor rights,  auction procedures must uphold principles of transparency, provide debtors with  access to valuation reports before the auction, and allow them the opportunity for  private sales to secure a better price. If debtors feel harmed, they may pursue legal  remedies through civil lawsuits against creditors or administrative objections to  challenge the auction process. Stronger regulatory oversight of the collateral  valuation process and limit price determination is necessary to ensure that mortgage  right executions are conducted in a transparent, fair, and legally certain manner for  all parties involved
date: 2025
type: Thesis
type: PeerReviewed
format: text
language: en
identifier: https://eprints.untirta.ac.id/48780/1/Muhammad%20Ridwan_1111200268_Fulltext.pdf
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identifier: https://eprints.untirta.ac.id/48780/2/Muhammad%20Ridwan_1111200268_01.pdf
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identifier: https://eprints.untirta.ac.id/48780/3/Muhammad%20Ridwan_1111200268_02.pdf
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identifier: https://eprints.untirta.ac.id/48780/4/Muhammad%20Ridwan_1111200268_03.pdf
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identifier: https://eprints.untirta.ac.id/48780/5/Muhammad%20Ridwan_111120068_04.pdf
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identifier: https://eprints.untirta.ac.id/48780/6/Muhammad%20Ridwan_1111200268_05.pdf
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identifier: https://eprints.untirta.ac.id/48780/7/Muhammad%20Ridwan_1111200268_Ref.pdf
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language: en
identifier: https://eprints.untirta.ac.id/48780/8/Muhammad%20Ridwan_1111200268_Lamp.pdf
identifier:   Ridwan, Muhammad  (2025) PERLINDUNGAN HUKUM TERHADAP NASABAH ATAS EKSEKUSI JAMINAN KREDIT OLEH BANK BJB KANTOR CABANG KHUSUS BANTEN DIHUBUNGKAN DENGAN UNDANG – UNDANG REPUBLIK INDONESIA NOMOR 10TAHUN 1998 TENTANGPERUBAHAN ATAS UNDANG – UNDANG NOMOR 7 TAHUN 1992 TENTANG PERBANKAN (Studi Kasus Pelaksanaan Lelang di KPKNL Serang).  S1 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.