Peran KPKNL Medan dalam Pelaksanaan Lelang Eksekusi Hak Tanggungan

Abstract

Kinerja dari KPKNL terkendala kondisi pandemi, Walaupun ada sistem mekanisme lelang online, tetapi praktiknya masyarakat tidak mengetahui, sehingga terbatas pelaksanaannya. Terjadinya kredit macet telah memberikan keadaan sektor perbankan terganggu dan mengakibatkan banyaknya permohonan lelang dari pihak bank di KPKNL Medan. Tujuan penelitian ini pertama untuk memahami mekanime lelang eksekusi tanggungan dari perbankan. Kedua, memahami peran KPKNL dalam pelaksanaan eksekusi hak tanggungan. Ketiga, memahami dan memberikan solusi atas kendala yang dihadapi oleh KPKNL dalam melaksanakan lelang eksekusi hak tanggungan perbankan Pasca Pandemi Covid-19. Metode penelitian ini adalah yuridis normatif. Data penelitian bersumber dari data sekunder yang bersumber dari bahan hukum primer, bahan hukum sekunder dan bahan hukum tersier yang kemudian dianalisis secara kualitatif. Hasil penelitian, pertama adalah lelang eksekusi terhadap hak tanggungan dilakukan oleh Kreditor dengan mengajukan permohonan eksekusi hak tanggungan kepada ketua Pengadilan Negeri tempat objek jaminan berada. Kedua, Peran KPKNL dalam proses lelang eksekusi Hak tanggungan yaitu sebagai pengawas agar barang lelang tidak diselewengkan, KPKNL sebagai instansi penyeleksi peserta lelang hak tanggungan, KPKNL berperan menjaga stabilitas pelaksanaan lelang Hak tanggungan, KPKNL berperan sebagai perantara antara pembeli dan penjual barang lelang. Ketiga, KPKNL Medan mengalami beberapa kendala yaitu kendala Internal dan kendala eksternal. The performance of the KPKNL is constrained by pandemic conditions. Even though there is an online auction mechanism system, in practice the public does not know about it, so its implementation is limited. The occurrence of bad loans has disrupted the banking sector and resulted in many requests for auctions from banks at the Medan KPKNL. The purpose of this research is first to understand the auction mechanism for the execution of dependents from banks. Second, understanding the role of the KPKNL in carrying out the execution of mortgage rights. Third, understand and provide solutions to the obstacles faced by the KPKNL in carrying out banking mortgage execution auctions after the Covid-19 pandemic. This research method is normative juridical. The research data comes from secondary data which comes from primary legal materials, secondary legal materials and tertiary legal materials which are then analyzed qualitatively. The results of the research, first is that the auction execution of mortgage rights is carried out by creditors by submitting an application for execution of mortgage rights to the head of the District Court where the collateral object is located. Second, the role of the KPKNL in the auction process for executing mortgage rights, namely as a supervisor so that the auction items are not diverted, the KPKNL as a selection agency for participants in the mortgage auction, the KPKNL has a role in maintaining the stability of the implementation of mortgage auctions, the KPKNL has a role as an intermediary between buyers and sellers of auction items. Third, the Medan KPKNL experienced several obstacles, namely internal constraints and external constraints.