PENCANTUMAN KLAUSULA KUASA MENJUAL OBJEK HAK TANGGUNGAN PADA PERJANJIAN KREDIT PEMBELIAN SATUAN RUMAH SUSUN DITINJAU DARI SUDUT ASAS KESEIMBANGAN

FERNANDO, FERNANDO and Muntaqo, Firman (2023) PENCANTUMAN KLAUSULA KUASA MENJUAL OBJEK HAK TANGGUNGAN PADA PERJANJIAN KREDIT PEMBELIAN SATUAN RUMAH SUSUN DITINJAU DARI SUDUT ASAS KESEIMBANGAN. Masters thesis, Sriwijaya University.

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Abstract

A notary plays an important role in the process of making credit agreement deeds in the banking sector. With the inclusion of an authority-to-sell clause regarding the collateral object, it is important to formulate a clause stating that "the highest possible price that benefits all parties will be obtained" in the purchase of Satuan Rumah Susun (a housing unit in a high-rise building) in a credit agreement, especially for notaries who have an obligation to ensure balance in the authentic deed made, so that all parties can obtain a fair position. This study discusses the legal basis, position, role of notaries, and legal regulations in the future related to the inclusion of an authority-to-sell clause regarding the collateral object in credit agreements for the purchase of Satuan Rumah Susun from the perspective of the principle of balance. This research was conducted in a normative manner. The results of this study show that the legal basis for the inclusion of the authority-to-sell clause regarding the collateral object in credit agreements for the purchase of Satuan Rumah Susun is based on the consideration of the principles of banking prudence and the Mortgage Law. Off-the-books sales regulated by law, which are determined by the collateral owner/debtor related to the inclusion of the authority-to-sell clause regarding the collateral object in the credit agreement for the purchase of Satuan Rumah Susun, must include the phrase "the highest possible price that benefits all parties will be obtained". The role of a notary is to provide legal counseling and ensure balance in the authentic deed made. Legal reform and modernization are needed in the field of public auction and active participation of the Financial Services Authority in issuing regulations that are firm and imperative is required. It is expected that banks can provide clear regulations and better legal protection that are reflected in the balance of credit agreements, and the government should provide socialization related to the inclusion of the authority-to-sell clause regarding the collateral object in credit agreements for the purchase of Satuan Rumah Susun, including improving regulatory and supervisory functions through the Financial Services Authority in issuing regulations that are firm and imperative so that they can be complied with by creditors/banks. Keywords: Credit Agreement, Satuan Rumah Susun (A Housing Unit in a High-Rise Building),Role of Notary, Clause of Authority to Sell, Mortgage Right

Item Type:	Thesis (Masters)
Uncontrolled Keywords:	Perjanjian Kredit, Satuan Rumah Susun, Peran Notaris, Klausula Kuasa Menjual, Hak Tanggungan
Subjects:	K Law > K Law (General) > K1066-1089 Banking K Law > K Law (General) > K600-615 Private law K Law > K Law (General) > K7200-7218 Property K Law > K Law (General) > K7265-7305 Contracts
Divisions:	02-Faculty of Law > 74102-Notarial Law (S2)
Depositing User:	Fernando Fernando
Date Deposited:	29 May 2023 08:42
Last Modified:	29 May 2023 08:42
URI:	http://repository.unsri.ac.id/id/eprint/105883

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