Muhammah Rasyddin, Prof. Dr. Salim HS, Dr. Muhammad Sood

Abstract:

The purpose of this study is to understand and analyze the position of the deed of the land deed making official in the binding of credit guarantee to the banking system. This study is qualified as a normative-empirical legal research that departs from the conflict of norms. The method used is the approach of legislation-invitation, conceptual and sociological. The source of legal material of this research is obtained from primary, secondary and tertiary law materials, with the technique of collecting legal materials by interview and library study, collecting data of analysis result to get information that must be concluded, by analysis of its legal material with qualitative analysis. The results of this study indicate that First: the position of the deed of the official of the land deed (PPAT) in the banking credit guarantee binding, is very important in the process of credit disbursement, because it helps the position of the parties to obtain legal certainty. Second: the responsibility of the land certificate official (PPAT) against the credit guarantee of banking by using SKMHT, if the creditor is disadvantaged if the debtor is defaulted, then most of the responsibility of the land deed is only limited to the official deed for the credit guarantee only.

Keywords: the deed of the land,  authority officer (PPAT), credit guarantee

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