PERLINDUNGAN HUKUM TERHADAP NASABAH DEBITUR PT BANK HARAPAN SANTOSA (DALAM LIKUIDASI) DALAM PENGURUSAN PIUTANG NEGARA OLEH KANTOR PELAYANAN KEKAYAAN NEGARA DAN LELANG SERPONG

The research aims to provisions of the receivables management of state protects the interests of debtors PT Bank Harapan Santosa (DL) which has been meeting their obligations. To find out Bumi Indah housing developers accountable to the debtors of PT Bank Harapan Santosa (DL), which has paid off its debt. The research is a juridical normative research. The juridical normative research was the research that explained the rules in existing law, interrelated with the fact in field, then analyzed by comparing between ideal values in law regulation and the fact in the field. It uses primary data from field research through interview guideline, and secondary data from library research through document study. It applies qualitative method and legal normative approach in data analysis. It discusses the research results in qualitative descriptive reporting. The research results reveal that protection of law for debtors PT Bank Harapan Santosa done through the Minister of Finance Regulation No. 128/PMK.06/2007 about Receivable Management of the State, as amended by Regulation of the Minister of Finance Number 88/PMK.06/2009 by providing debt relief over the settlement period from 1 year to debtors who can not afford, to coordinate with the hand Receivables (creditor) which in this case is the Directorate General of State and Attorney to clarify the blocking of collateral. Coordinate extensively with various stakeholders (KPP Kosambi, BPN, Developer and designated Notary). Housing developers accountable Bumi Indah against debtors. PT. Bank Harapan Santosa (DL) who has done his duty is to build deed buying and selling houses and land to the consumers (debtors) by Notary / PPAT appointed General Directorate of State Property, Ministry of Finance, Doing solving assurance certificate in accordance with the object of each debtor that has signed a credit agreement with Bank