Tinjauan Yuridis tentang Pelaksanaan Perjanjian Kredit dengan Jaminan Hak Tanggungan (Studi pada Bank BRI Ponorogo)

The implementation of credit agreements with guaranteed liability in Bank Bri Ponorogo Branch is carried out in accordance with the provisions of Article 1320 of the Civil Code concerning the legal terms of the agreement, including those concerning; a) the skills of the parties by being proven through KTP; b) regarding agreements made by filling out loan application forms; c) The object of an object, in this case the debtor wants to borrow some money from the bank. The debtor gives a guarantee to the bank; d) agreements made by both parties in accordance with regulatory provisions that apply to both the Civil Code and the Banking Law. Handling of non-performing loans before being settled judicially is done through scheduling (rescheduling), requirements (reconditioning), and restructuring. Handling can be through one method or a combination of the three methods. After being taken in this way and still no progress in handling, then it is resolved judicially through the courts, commercial courts, through PUPN, and through the Forced Agency