| Summary: | The research aims to provisions of the receivables management of state
protects the interests of debtors PT Bank Harapan Santosa (DL) which has been
meeting their obligations. To find out Bumi Indah housing developers accountable
to the debtors of PT Bank Harapan Santosa (DL), which has paid off its debt.
The research is a juridical normative research. The juridical normative
research was the research that explained the rules in existing law, interrelated with
the fact in field, then analyzed by comparing between ideal values in law
regulation and the fact in the field. It uses primary data from field research
through interview guideline, and secondary data from library research through
document study. It applies qualitative method and legal normative approach in
data analysis. It discusses the research results in qualitative descriptive reporting.
The research results reveal that protection of law for debtors PT Bank
Harapan Santosa done through the Minister of Finance Regulation No.
128/PMK.06/2007 about Receivable Management of the State, as amended by
Regulation of the Minister of Finance Number 88/PMK.06/2009 by providing
debt relief over the settlement period from 1 year to debtors who can not afford, to
coordinate with the hand Receivables (creditor) which in this case is the
Directorate General of State and Attorney to clarify the blocking of collateral.
Coordinate extensively with various stakeholders (KPP Kosambi, BPN,
Developer and designated Notary). Housing developers accountable Bumi Indah
against debtors. PT. Bank Harapan Santosa (DL) who has done his duty is to build
deed buying and selling houses and land to the consumers (debtors) by Notary /
PPAT appointed General Directorate of State Property, Ministry of Finance,
Doing solving assurance certificate in accordance with the object of each debtor
that has signed a credit agreement with Bank.
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