KEKUATAN HUKUM EKSEKUSI JAMINAN AKTA PENGAKUAN HUTANG DALAM PERJANJIAN KREDIT (STUDI PENELITIAN DI PT. BANK MANDIRI KANTOR CABANG PEMBANTU MATANG GEULUMPANG DUA KABUPATEN BIREUEN ACEH)
Main Article Content
Abstract
In banking practice, a loan is usually realized in form of an agreement of acknowledgment of debt by debtor to creditor, in which the creditor acknowledges to have made a loan of some amount of money to a bank, under particular terms. When a debtor defaults, a creditor can file a request to Head of Court for execution of the contents of their agreement with a grosse deed because it has executorial force. However, in this research, the creditor does not directly execute the guarantee when the debtor defaults. Instead, they issue a Letter of Declaration of Willingness to discharge the rights over the collateral that is guaranteed and signed by the debtor. The research problems are how about the legal force of execution of collateral in a deed of acknowledgement of debt in a loan agreement, how about the legal consequences for the debtor in the deed of acknowledgement of debt in case of a default in a loan agreement in Matang Geulumpang Dua Village, and how about the legal efforts that can be made by the creditor in the execution of the collateral in the deed of acknowledgment of debt in the loan agreement.
Article Details
Authors who publish their manuscripts through the Journal of Information Systems and Computer Science agree to the following:
- Copyright to the manuscripts of scientific papers in this Journal is held by the author.
- The author surrenders the rights when first publishing the manuscript of his scientific work and simultaneously the author grants permission / license by referring to the Creative Commons Attribution-ShareAlike 4.0 International License to other parties to distribute his scientific work while still giving credit to the author and the Journal of Information Systems and Computer Science as the first publication medium for the work.
- Matters relating to the non-exclusivity of the distribution of the Journal that publishes the author's scientific work can be agreed separately (for example: requests to place the work in the library of an institution or publish it as a book) with the author as one of the parties to the agreement and with credit to sJournal of Information Systems and Computer Science as the first publication medium for the work in question.
- Authors can and are expected to publish their work online (e.g. in a Repository or on their Organization's/Institution's website) before and during the manuscript submission process, as such efforts can increase citation exchange earlier and with a wider scope.