Execution of Fiduciary Guarantees is carried out in accordance with applicable
legal provisions, namely Constitutional Court Decision Number 2/PUU-XIX/2021
that if the debtor does not admit default and does not surrender the fiduciary
guarantee object, the creditor can submit a request for execution to the District
Court. The formulation of the problem in this research is how to implement the
execution of fiduciary guarantees at PT. BPR Bank Bapas 69 Magelang Regency
after the Constitutional Court Decision Number 2/PUU-XIX/2021 and What are
the efforts to reduce the risk of using collateral implemented by PT. BPR Bank
Bapas 69 Magelang Regency. This study uses normative law with interviews as a
complement to secondary data. The conclusions of this study are first, the
litigation route does not need to be taken if the debtor voluntarily surrenders the
object of fiduciary guarantees in the event of default. Second, PT. BPR Bank
Bapas 69 Magelang Regency has implemented efforts to reduce the risk of using
collateral.