EKSEKUSI JAMINAN FIDUSIA SETELAH ADANYA PUTUSAN MK No. 2/PUU-XIX/2021 DI PT. BPR BANK BAPAS 69 KABUPATEN MAGELANG

Execution of Fiduciary Guarantees is carried out in accordance with applicable legal provisions, namely Constitutional Court Decision Number 2/PUU-XIX/2021 that if the debtor does not admit default and does not surrender the fiduciary guarantee object, the creditor can submit a request for execution to the District Court. The formulation of the problem in this research is how to implement the execution of fiduciary guarantees at PT. BPR Bank Bapas 69 Magelang Regency after the Constitutional Court Decision Number 2/PUU-XIX/2021 and What are the efforts to reduce the risk of using collateral implemented by PT. BPR Bank Bapas 69 Magelang Regency. This study uses normative law with interviews as a complement to secondary data. The conclusions of this study are first, the litigation route does not need to be taken if the debtor voluntarily surrenders the object of fiduciary guarantees in the event of default. Second, PT. BPR Bank Bapas 69 Magelang Regency has implemented efforts to reduce the risk of using collateral