Banks in providing credit require collateral as collateral for debt repayment. In
practice, not all grants of collateral are encumbered with mortgage rights. If the
debtor defaults, the bank will sell the collateral object to pay off the debt. In the
execution of mortgages, many obstacles were encountered so that the execution
could not run smoothly. This thesis discusses the procedure for imposing
mortgage rights at PT BPR ADIPURA SANTOSA Magelang Branch in
accordance with the provisions of Law No. 4 of 1996 and the obstacles and efforts
to resolve the execution of mortgage rights at PT BPR ADIPURA SANTOSA
Magelang Branch. The research method in writing this thesis uses empirical legal
research methods. Primary data in this study were obtained directly from
respondents and sources. While secondary data obtained through literature study.
The conclusion of this thesis is that the procedure for imposing mortgage rights at
PT BPR ADIPURA SANTOSA Magelang Branch is not in accordance with the
provisions of Law Number 4 of 1996 because it looks at the size of the debt value
and sees whether the debtor is in default or not.The obstacles that occur in the
implementation of mortgage execution are debtors are not satisfied with limit
value, abolition of land rights, difficulty in getting bidders, lawsuits from
debtors/third parties, mobilization of mass by debtors, debtors not wanting to
vacate the object of execution, and the object of execution being outside the
bank's working area.