Dampak Restrukturisasi Perjanjian Kredit Terhadap Jaminan HakTanggunganDalam Upaya Penyelamatan Kredit Bermasalah

Abstract

The aim of this research is to determine the impact of credit agreement restructuring on mortgage guarantees in an
effort to rescue problem loans. To achieve this goal, the approach method used is empirical juridical. Data sources
include primary data and secondary data. Primary data is data obtained directly by conducting field research in the
form of free, guided interviews with respondents. Meanwhile, secondary data consists of primary legal materials,
secondary legal materials and tertiary legal materials. The data obtained was then analyzed qualitatively.
Conclusion: Based on the results of research and analysis of data collected by the author, it is concluded that the
impact of credit agreement restructuring on mortgage guarantees in efforts to save problematic loans is: the
position of collateral whose credit agreement has been restructured through an addendum deed is that the
guarantee remains valid because the object of the guarantee Bank Jateng has charged it with a guarantee institution
in the form of a mortgage which has the characteristic of always following the object being pledged as collateral in
the hands of whoever the object is in (droid de suite). Then, for the initial credit agreement which has been
restructured through an addendum, it remains in effect as a binding condition between legal subjects in their legal
relationship and the addendum cannot be separated from the original credit agreement.
Keywords: Impact, Restructuring, Credit Agreement, Mortgage Rights, Problematic Credit