The objective of research was to find out how the imposition of bail right
and implementation of Bail Right collateral execution as well as the problem
rising in the implementation of loan agreement with bail right and the solution to
it in PT. Bank Negara Indonesia (persero) Tbk, the Small Sentra Credit of Solo.
This study was an empirical law research that was descriptive in nature.
The type of data employed included primary and secondary data in which the
primary data of research employed interview with Loan Administration and
Remedial Recovery practicing in PT. Bank Negara Indonesia (persero) Tbk, the
Small Sentra Credit of Solo and secondary data source consisting of primary and
secondary law materials. The primary law material constituted Law, Government
Regulation, findings of studies, article and internet, journal and other materials
correlated to this legal study. Technique of collecting data employed was primary
data obtained from the result of interview, and secondary data constituting
information or fact obtained indirectly from the field or research site but through
library study that supported the primary data. In data analysis, the data
processing employed qualitative analysis. The final stage was to draw a
conclusion from the processed data, so that finally it could be found that the
relationship between loan agreement as the main agreement and Bail Right
agreement as accesoir agreement.
Considering the result of research and discussion, 3 (three) conclusions
were drawn. Firstly, the imposition was done by means of developing a loan
agreement first, imposing bail right and registering the Bail Right Issuance
Document (APHT). Secondly, the implementation of Bail Right collateral
execution was conducted by means of execution parate with State Wealth
Administration and Auction Office (KPKNL) help. Thirdly, the problem with loan
agreement occurred in the imposition of Authorizing Letter Imposing Bail Right
(SKMHT) in the term of property deed renaming with the solution of repeating
SKMHT, non-performing loan such as completely loan payment delayed, for
example the third party’s lawsuit with the implementation of execution with
KPKNL help
