Kedudukan Kartu Pemegang Hak Sewa Kios (KPHSK) sebagai Objek Jaminan Kredit (Studi pada PT. Bank Rakyat Indonesia (Persero) Tbk Kota Pematangsiantar)

Abstract

The junction of banki.ng institution intermediary, in this case, Bank Rakyat Indonesia (Persero) Tbk, Pematangsiantar, is realized in giving credit facility to Micro, Small, and Medium aBusinesses, with KPHSK (Card Holder of Stall Rental Right) as the collateral. KPHSK as rental rights according to law of property and individual law in Indonesia with the opinions of experts through legal theory was analyzed in this research. The analysis was also concerned with how the Bank can guarantee rental rights as the credit collateral and whether the KPHSK could guarantee legal certainty in credit contract. The analysis was also concerned with the legal protection given to creditor as the giver of credit facility if there is default done the debtor.