DAFTAR ISI

HALAMAN JUDUL ............................................................................................... i

HALAMAN PERSETUJUAN .............................................................................. ii

HALAMAN PENGESAHAN ............................................................................... iii

HALAMAN PERNYATAAN................................................................................ iv

KATA PENGANTAR ............................................................................................. v

INTISARI/ABSTRACT....................................................................................... xii

DAFTAR ISI ........................................................................................................ xiv

BAB I PENDAHULUAN

A. Latar Belakang ................................................................................ 1

B. Rumusan Masalah............................................................................ 6

C. Tujuan Penelitian ............................................................................. 6

D. Keaslian Penelitian .......................................................................... 7

E. Manfaat Penelitian ........................................................................... 8

BAB II TINJAUAN PUSTAKA

A. Tinjauan Umum Tentang Perjanjian .............................................. 10

1. Pengertian Perjanjian ................................................................. 10

2. Asas-asas Perjanjian .................................................................. 12

3. Syarat Sahnya Perjanjian ........................................................... 16

4. Berakhirnya Perjanjian .............................................................. 21

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B. Tinjauan Umum Tentang Kredit .................................................... 22

1. Pengertian Kredit ....................................................................... 22

2. Unsur-unsur Kredit .................................................................... 25

3. Tujuan dan Fungsi Kredit .......................................................... 26

4. Prinsip-prinsip Pemberian Kredit .............................................. 29

5. Jenis-jenis Kredit ....................................................................... 33

6. Kredit Macet .............................................................................. 38

C. Tinjauan Umum Tentang Perjanjian Kredit ................................... 40

1. Pengertian Perjanjian Kredit ...................................................... 40

2. Fungsi Perjanjian Kredit ............................................................ 41

3. Bentuk Perjanjian Kredit ........................................................... 42

4. Isi Perjanjian Kredit ................................................................... 43

5. Lahirnya Perjanjian Kredit ........................................................ 44

6. Hapusnya Perjanjian Kredit ....................................................... 44

D. Tinjauan Umum Tentang Jaminan ................................................. 45

1. Pengertian Jaminan .................................................................... 45

2. Asas-asas Jaminan ..................................................................... 46

3. Penggolongan Jaminan .............................................................. 47

E. Tinjauan Umum Tentang Hak Tanggungan ................................... 47

1. Pengertian Hak Tanggungan ...................................................... 47

2. Asas-asas Hak Tanggungan ....................................................... 48

3. Subyek Hak Tanggungan ........................................................... 49

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 4. Objek Hak Tanggungan ............................................................. 49

5. Pembebanan Hak Tanggungan .................................................. 50

6. Eksekusi Hak Tanggungan ........................................................ 50

7. Hapusnya Hak Tanggungan ....................................................... 51

F. Tinjauan Tentang Bank Sumsel Babel ........................................... 53

1. Sejarah Bank Sumsel Babel ....................................................... 53

2. Visi dan Misi Bank Sumsel Babel ............................................. 54

3. Kredit Griya Sejahtera ............................................................... 55

4. Satuan Kredit Konsumen (SKO) ............................................... 57

BAB III METODE PENELITIAN

A. Sifat Penelitian............................................................................... 58

B. Jenis Penelitian .............................................................................. 58

C. Analisa Data .................................................................................. 65

D. Jalannya Penelitian ........................................................................ 65

E. Hambatan Penelitian dan Cara Mengatasinya ............................... 67

BAB IV HASIL PENELITIAN DAN PEMBAHASAN

A. Faktor Penyebab Terjadinya Kredit Macet di Bank Sumsel

Babel Palembang............................................................................69

1. Hasil Penelitian...........................................................................69

2. Pembahasan................................................................................77

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B. Penyelesaian Kredit Macet dengan Eksekusi Hak Tanggungan di

Bank Sumsel Babel Palembang...................................................102

1. Hasil Penelitian.........................................................................102

2. Pembahasan..............................................................................110

C. Perlindungan Hukum yang Diberikan Bank Sumsel Babel

Palembang Selaku Kreditur Kepada Debitur Atas

Pelaksanaan Eksekusi Jaminan Hak Tanggungan........................141

1. Hasil Penelitian.........................................................................141

2. Pembahasan..............................................................................145

BAB V PENUTUP

A. Kesimpulan..................................................................................162

B. Saran............................................................................................164

DAFTAR PUSTAKA ........................................................................................... 166

LAMPIRAN ......................................................................................................... 169

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