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MAHMUL SIREGAR
Universitas Sumatera Utara
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Journal : REUSAM

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Independensi Penentuan Jumlah Nilai Agunan dalam Perjanjian Kredit yang Dilakukan oleh Appraisal Bank Simatupang, Elysabet Sry Devi Bruni; S, Sunarmi; Siregar, Mahmul; Barus, Utary Maharany
Jurnal Ilmu Hukum Reusam Vol 9, No 1 (2021): Mei
Publisher : Universitas Malikussaleh

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Abstract

A bank always requires collateral to its customers in providing credit facility as a form of a guarantee or responsibility for their contract with the bank. A bank also employs an Appraisal Bank or Public Appraisal Service Office (KJPP). KJPP is expected to prevent wrong collateral valuation and value engineering. Therefore, the research problems are how the independence of an Appraisal Bank is, in performing collateral valuation in a credit contract, how the binding force of the valuation results gained by an Appraisal Bank to the collateral in a credit contract, and how the liability of the Appraisal Bank for the valuation performed by an Appraisal Bank to the collateral in a credit contract. This is a normative juridical and descriptive research. This research employs statutory method using primary, secondary, and tertiary legal materials. The data are collected from library study and field observation. They are analyzed by reducing data, presenting data, and drawing conclusions/making verification to obtain descriptive data. The results of the research conclude that the independence an. appraisal is assessed when he performs valuation without intervention from anyone. In legal view, an appraisal is considered valid and affecting the collateral object; the results of his valuation becomes his responsibility. The responsibility of an appraisal for his valuation results can be seen from the conformity of his report and the prevailing regulations. It is suggested that one be required and obliged to have specific skills, integrity, honesty and objectivity to become an appraisal. An appraisal also has to be guided by ethical codes and prevailing laws and regulations.
Co-Authors Abdul Aziz Alsa Ade Jaya Ismanto Adi Gunawan Adi Saputra Agnest Elga Margareth Agusmidah Agusmidah Agusmidah Agusmidah, Agusmidah Aida Nur Hasanah Aldi Subartono Alvi Syahrin Alvi Syahrin Amanda Serena Amrizal Fahmy Fahmy Anak Agung Istri Sri Wiadnyani Andi Rian Djajadi Andreas Iriando Napitupulu Anthonius Ginting Antonius Leonard Tarigan Ardiantha Putera Sembiring Ariq Ablisar Ashri Azhari Baeha Bagus Firman Wibowo Binsar Parulian Sitanggang Bismar Nasution Bismar Nasution Bismar Nasution Bismar Nasution Bismar Siregar Bobby Kurniawan Bonardo Marbun Budiman Ginting Budiman Ginting Cahya Wijaya Chairiyah Ella Sari Siregar Charles Silalahi Cherdina Efenti Choirun Parapat Choky Permana Hutagalung Churairah, Abu Cindy Theresia Br Manurung Ciptawan Ciptawan Daniel Simamora Dede Aquari Irawan Surbakti Dedi Harianto Dedi Harianto Dedi Harianto Delfani Febryana Lubis Deus Levolt Sihombing Dezky Muji Setyo Diah Ayu Oktriningsih Dwi Natal Ngai Santoso Sinaga Dwi Putri Rezky Sihite Dwi Rahmawati Ebenezer Simanullang Edy Ikhsan Efendi Tambunan Eka Husnul Hidayati Ekaputra, Mohammad Elia Fransisco Silitonga Elikson Rumahorbo Emya Pratidina Sembiring Endame Suranta Ginting Eri Lukmanul Hakim Pulungan Eric Tanaka Erlinda Vivi Yusanti Faisal Akbar Faisal Akbar Nasution Faisal Anshari Dwana Ferawati Br.Tarigan Fernando Enrico Fermi Partahi Fidelis Haposan Silalahi Fitri Yanni Dewi Siregar Floraulina Theadora Tarigan Frans Affandhi Fransiska Harahap Freddy VZ. Pasaribu Hani Riadho Nasution Hans Joy Tarigan Hasim Purba Hasim Purba Hendra Adiwijaya Herbert Rumanang Herianto Herianto Herman Brahmana Ikhsan Lubis Ilham Fauzi Ilham Rohjadina Imanuel Sembiring Imastian Chairandy Siregar Isnaini Isnaini Jelly Leviza John Bert Christian Juergen K. Marusaha. P. Panjaitan Julia Agnetha Br. Barus Julisman Julisman Junandar Indra Tongam Panggabean Jusak Tarigan Kamaluddin Pane Keizerina Devi Keizerina Devi Azwar Khairin Ulyani Tarigan Khairul Khairul, Khairul Kristi Emelia Pasaribu Laurentia Ayu Kartika Putri Leonard Pandapotan Sinaga Lidia Sinaga Liwarny Sagala M Febriyandri Satria M. Ekaputra M. Ichsan Rouyas Sitorus Madiasa Ablisar Madiasa Ablisar Madiasa Ablizar Mahmud Mulyadi Malto S. Datuan Manambus Pasaribu Mangantar Anugrah Siregar Mariane Magda Ketaren Marlina Marlina Marlina Marlina Marpaung, Ladyta Tahany Reformita Meisy Kartika Putri Sianturi Melati Fitri Melva Theresia Simamora Muhammad Aulia Rizki Agsa Muhammad Ekaputra Muhammad Hamdan Muhammad Haris Muhammad Hendra Razak Muhammad Yamin Mutiara Panjaitan NINGRUM NATASYA SIRAIT Ningrum Natasya Sirait Nugroho, Nur Nurjannah Siregar O.K Saidin Oki Basuki Rachmat Omar Akbar Aldian Pinem Pendastaren Tarigan Puput Dini Lestari Putri Ayu Pratiwi Putri Nesia Dahlius Rabithah Nazran Rachmat, Oki Basuki Rahmat Rizki Putra Raymond Adytia Depari Rendra Alfonso Sitorus Riadhi Alhayyan Riamor Bangun Ridho Pamungkas Riswan Munthe, Riswan Rizki Alisyahbana Robert Robert Robinson Sihombing Roli Harni Yance S. Garingging Rosmalinda Rosmalinda Rosnidar Sembiring Runtung Runtung S, Sunarmi Saidin Saidin Sandrawati, Erna Sari Rezeki Indra Saryo Saryo Sheila Miranda Hasibuan Sherhan Sherhan Simatupang, Elysabet Sry Devi Bruni Simon Simon Sinulingga, Tommy Aditia Siregar, Taufik Sugirhot Marbun Suhaidi Suhaidi Suhaidi Suhaidi Suhaidi Suhaidi, Suherman Nasution Sukarja, Detania Sunarmi Sunarmi Sunarmi Sunarmi, Sunarmi Surtan Harista Muda Hasibuan Surung Aritonang Aritonang Susi Muliyanti Sutiarnoto Sutiarnoto Sutiarnoto Sutiarnoto Sutiarnoto Sutiarnoto Syafruddin Kalo Syafruddin Kalo Syamsul Arifin T Keizerina Devi Azwar T. Keizerina Devi Azwar Tamiarisa Amanda Fasa Rambe Tan Kamello Tarsisius Murwadji Taufik Hasudungan Sihotang Taufik Hidayat Lubis Tony Tony Tri Murti Lubis Tumpal Utrecht Napitupulu Ucok Yoantha Utary Maharany Barus Utary Maharany Barus Vina Trinanda Dewi Warhan Wirasto Widodo Ramadhana Wina Wina Yahya Ziqra Yessi Serena Rangkuti Yohana Yohana