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VOL. 10, ISSUE 5 (2024)
Liability of rural banks for the case of unlawful acts of loss of certificate of ownership used as credit collateral
Authors
Tipuk Wulandari, Lego Karjoko, Hari Purwadi
Abstract
As part of the loan disbursement process, the customer signs a loan
agreement containing clauses governing the applicable loan terms. The
certificate submitted by the customer to the bank is kept by the bank for the
duration of the loan and can be retrieved or returned by the bank after the
loan is repaid. The bank is obliged to return the collateral after the debtor
has paid off the loan. This type of research is normative legal research or in
other words, it is also called doctrinal legal research. Normative legal
research focuses on document analysis using various legal sources, such as
laws, court decisions, contracts or agreements, legal principles and
principles, legal theories, and opinions of legal experts. It is also possible that
the debtor can ask the bank to compensate the bank for important assets in
addition to the replacement of lost replacement certificates. It is possible to
send a written request letter to the bank and if the bank does not provide
clarity and does not provide a settlement, the debtor can take legal action.
Based on the legal issues that the author raises in this study, it can be
explained that in the loan disbursement process, the customer signs a loan
contract containing clauses that regulate the terms of the loan to be
disbursed.
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Pages:158-161
How to cite this article:
Tipuk Wulandari, Lego Karjoko, Hari Purwadi "Liability of rural banks for the case of unlawful acts of loss of certificate of ownership used as credit collateral". International Journal of Law, Vol 10, Issue 5, 2024, Pages 158-161
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