PELAKSANAAN PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) PADA BANK RAKYAT INDONESIA CABANG PANAKUKANG DI KOTA MAKASSAR

• Main Authors: , ANDI AMALIA SUHRA, , Ninik Darmini, S.H., M.Hum.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2011
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/90820/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=52752
• Institution: Universitas Gadjah Mada

This study discussed about the deflection happening in the implementation of house ownership credit in Bank Rakyat Indonesia in Makassar. This study was aimed to find out the causes of the violations happened in the implementation of House Ownership Credit agreement in Bank Rakyat Indonesia in Makassar, and to find out the law consequences of the violation. This study was an empirical juridical study. It meant that the approach used to solve the problem was by seeing and paying attention on the law norm applied and related to the phenomena existing from the problem met in the study. This study was using library research by using secondary data obtained from law materials related to the study and also field research by collecting primary data in the form of information directly obtained in the research field. The sampling was using non random sampling with purposive sampling, taking the subject based on certain characteristics having close relation with the population known before. The violation happened in the implementation of house ownership credit in Bank Rakyat Indonesia in Makassar was that the customer frequently rent the land/building bailed without having acknowledgement of the bank. This was because of the economic pressure experienced by debtor, the creditor was moved from the branch office, and the misunderstanding of debtor about the content of the agreement. The law consequence caused by the violation was that the agreement made can be cancelled if the bank felt an objection for the violation.