Inside of the financial institution can be classified into 2 (two) types: banking
institutions and non-bank institutions. Non-bank institutions include insurance,
pension fund, financing institution, other financing institution, and
microfinancing institutions. Specifically, this study discusses subrogation in a
bank. Subrogation is classified into 2 (two) forms because of an agreement or
an act. Consequences because of agreed the agreement all parties will bond the
agreement. Subrogation listed in articles 1400 thru 1403 BW. Subrogation will
be valid if it fulfills a few elements that as a replacement right by third parties,
payment from third parties in the named debtor, and happens because of an
agreement or an act. This discussion addresses whether to find the concept of
subrogation and the legality of subrogation in Verdict Number
274/Pdt.G/2020/PN Sby, Verdict Number 60/PDT/2021/PT.SBY, and Verdict
Number 485 K/Pdt/2022 between Goey Taufik Riyan contra PT Pakuwon Jati
Tbk and PT Bank Maybank Indonesia. In this case, subrogation becomes a
transition to debt collection because of Goey’s default to finish the agreement.