ANALISIS YURIDIS MENGENAI AKIBAT DEBITUR WANPRESTASI TERHADAP PT. BANK TABUNGAN PENSIUN NASIONAL, Tbk.

Abstract

The financial system plays a very important role in the economy. As part of the economic system, the financial system functions to allocate funds from those experiencing a surplus to those experiencing a deficit. If the financial system is not stable and functions efficiently, the allocation of funds will not work properly so that it can hamper economic change. The purpose of this study is to examine how the judge's decision in deciding the auction trial of the default case of PT. Bank Tabungan Pensiun Nasional, Tbk. And the judge's decision has fulfilled the protection for debtors. This research method uses normative juridical. The nature of the research uses descriptive analysis. The legal materials used are primary, secondary and tertiary legal materials. The results of this study are the provision of money or equivalent claims, based on the approval or agreement of the borrower to pay off the debt after a certain period of time accompanied by interest according to banking law. Default means not fulfilling or negligent in carrying out something that is required or achievement, as agreed in an engagement. the implementation of the auction, namely by issuing an auction summons letter addressed to the creditor in order to know that the collateral goods which he pledged as collateral will be auctioned immediately.