Reconstruction Of Collateral Arrangements In Bank Credit Agreements To Realize Legal Certainty In Indonesia

Economic development as part of national development is one of the efforts to realize the welfare of the people who are just and prosperous based on Pancasila. This economic development requires banking as a credit institution with guaranteed land rights that have not been certified. The research method uses empirical normative juridical research. The primary and secondary data refer to the number of literatures and documents that relevant with a research objective. This research is also supported by a statutory approach, conceptual approach and comparative approach. The results of this study show that the reconstruction of collateral in bank credit agreements to realize legal certainty with the condition that registration of Dependent Rights is carried out simultaneously with the registration of rights to the land concerned. The Land Deed Making Officer (PPAT) in carrying out his position is authorized to make a Power of Attorney Deed to Impose Dependent Rights (SKMHT) and a Deed of Encumbrance (APHT) provided that the land already has a Land Parcel Identification Number (NIB) and there is already a Land Parcel Map (PBT), not a legal guarantee if land that has NIB, can process the application for rights faster, If the debtor defaults while the land title application process is still ongoing, then the bank does not have preferential rights and is a concurrent creditor.