The Substance of Material on the Procedure of Settlement of Default in Credit Agreements with the Rights of Dependent and the Problems Arising in the Credit Agreement at Bank Bahteramas in North Kolaka Regency
This research uses descriptive research about the settlement of default in credit agreement using the guarantee of Mortality right in Bahteramas in North Kolaka Regency by using qualitative data analysis. The data of the compilers were collected by conducting structured type interviews, library research with secondary and tertiary data sources, and then analyzing the secondary data sources.
Based on the results of research can be seen that as assistance to develop a business, credit facilities are needed in terms of capital increase. For ease of obtaining the credit. Without credit guarantees, the funds to be issued become difficult as it concerns the security of credit repayment. Bahteramas in North Kolaka Regency is one of the business partners who provide credit facilities with the guarantee of Mortgage Rights. Sometimes there is a difficulty in the pretext of returning credit to the debit party even though the credit agreement has used the guarantee, or the debt is done. The debtor himself, for example, the debtor deliberately did not make the achievements that have been agreed at the beginning or indeed the debtor in circumstances that are not possible for him to do the achievement for a certain thing such as natural disasters that caused all his wealth consumed by nature. If the bad debts occur, the Bank Bahteramas approaches the debtor by providing direction so that the debtor is willing to perform his / her performance by paying the surant on time if the approach does not work; the Bank Bahteramas gives warning and leniency time to limit certain time. The last path taken by the Bahteramas Bank is to withdraw the guarantee goods until the time limit for the leeway is discharged from the debtor’s default.