Proses Penyelesaian Perkara Wanprestasi Atas Kredit Mandiri Kredit Pemilikan Rumah (Studi Kasus PN Karanganyar)

This study takes a case related to credit or an agreement. Where in a credit agreement there is an agreement between the debtor and creditor. In the home loan agreement, the bank as the creditor and the customer as the debtor, the creditor has agreed to an agreement to lend money for a home loan and the debtor will pay it off. However, the customer does not carry out the agreement in accordance with the mutually agreed agreement. This study aims to determine the judge's considerations in determining the evidence and decision as well as the legal consequences after the default case is processed by the judge in the process of resolving the default case on independent mortgage loans. The approach in this study is normative because what is being studied are legal principles, legal principles in the process of settling default cases on independent mortgage loans. This type of research is descriptive because this research focuses on a case and clearly describes the process of resolving default cases on independent mortgage loans. In considering the evidence, it was proven that the defendant did not return the credit limit that had been given by the plaintiff. The results showed that it was proven that there was a default in the credit agreement because the debtor violated the contents of the agreement by not paying off his credit debt. The results of the evidence by the plaintiff against the argument of his lawsuit proved that the defendant did not pay off his credit debt, then the defendant was declared in default. This decision was won by the plaintiff because the plaintiff was able to prove his claim and this decision has permanent legal force. If the decision is not implemented by the defendant, the plaintiff can submit an application for execution to the district court