Pelaksanaan Kredit Mikro dengan Agunan Sertifikat tanpa Dibebani Hak Tanggungan di Kabupaten Blitar

In this thesis the author discusses how the implementation of Microcredit Saddled With Without Collateral Mortgage Certificate in BRI , BPR , Credit Unions Poultry Artha Makmur in Blitar regency . It \u27s behind the writing of that , there is a conflict between das das sein sollen and, namely the principle of prudence in point coleteral or warranty as opposed to the provision of micro-credit with collateral in the form of land title certificates of property rights by the financial institution . The problem studied in this thesis are : 1 . How microcredit management with assurance certificates without the burden of mortgage in the event of default? This is for Knowed microcredit management with assurance certificates without the burden of mortgage in the event of default. To answer the problem studied , the authors use an empirical approach juridical law . Based on the results of the study , the authors obtained answers to existing problems , namely the position of creditors and debtors are not balanced , resulting in debtors prone to be exploited by the creditor . Supposedly in the manufacture of credit agreement also observe the principle of balance in the making . Responding to the things mentioned above , creditors in operation shall adopt the precautionary principle as a whole , ie , Caracter ( character ) , Capacity ( kepampuan), Capital ( capital ) , collateral ( collateral / guarantee ) , and the conditio of economy ( economy / business prospects of the debtor )