KAJIAN YURIDIS EFEKTIFITAS PENYELESAIAN KREDIT MACET MELALUI LELANG HAK TANGGUNGAN

In a debt agreement that includes a guarantee regulated in the Mortgage Law, the form of legal protection provided by the State through the Mortgage Law to the creditor is the authority to execute the object of the debtor's guarantee or auction. Implementation of the auction through the State Auction Institution, namely the Office of the State Assets and Auction Service (KPKNL). The purpose of writing this article is to find out the arrangement and implementation of mortgage auctions at KPKNL. The method used is empirical juridical, with the research location at KPKNL Semarang PMK No. 213/PMK.06/2020. Auction of Mortgage through KPKNL is an effective solution for both parties in the case of debtors defaulting, because KPKNL applies regulatory procedures according to applicable regulations that protect the interests of both parties, debtors and creditors properly, which are guaranteed by regulations. The rights of creditors must be protected when the debtor defaults. Settlement of bad debts through auctions must be carried out as the final "ultimum remidium" step for debtors.