[ABSTRAK
Tesis ini membahas tentang pelaksanaan eksekusi jaminan melalui lelang yangdilaksanakan oleh PT Bank Mega Tbk Bandung sebagai penyelesaian kreditbermasalah.Tujuan dilakukannya penulisan Tesis ini adalah untuk mengetahui danmenganalisa prosedur eksekusi lelang jaminan yang dilakukan oleh PT Bank MegaTbk Bandung, juga untuk mengetahui mengenai prosedur penetapan harga limitbarang jaminan yang merupakan nilai limit untuk suatu pelelangan jaminan. Penelitianini menggunakan metode deskriptif analitis yang melukiskan fakta-fakta hukum yangada dan di hubungkan dengan hukum jaminan khususnya jaminan kebendaan dalamperjanjian kredit di perbankan. Berdasarkan hasil penelitian yang dilakukan, Penulisdapat mengetahui bahwa meskipun terdapat kendala dalam pelaksanaan prakteeksekusi Hak Tanggungan yang dilakukan oleh PT Bank Mega Tbk Bandung, namunpratek eksukusi HakTanggungan dapat berperan baik dalam menyelesaikan kreditbermasalah. Penulis juga menyimpulkan bahwa terdapat inkonsistensi pengaturandalam praktek eksekusi Hak Tanggungan dalam Undang-Undang Hak Tanggungan.Berdasarkan hasil penelitian yang dilakukan, Penulis menyarankan agar pihakpembuat undang-undang membuat peraturan pelaksanaan dari Undang-Undang HakTanggungan agar peraturan ini lebih memberikan kepastian hukum dan juga menjadiperaturan yang lebih efektif. Penulis juga melakukan penelitian mengenai prosedurpenetapan limit barang jaminan, di mana dalamkasus ini, pihak debitor mengalamikerugian akibat penetapan harganya dibawah harga pasar wajar. Penulis jugamenyimpulkan bahwa pembentukkan nilai limit dipengaruhi oleh beberapa faktoryang cukuppenting, seperti penunjukkan kantor penilai yang independen, penggunaanmedia dalam pengumuman lelang dan tatacara pelelangan. Penulis juga berkesimpulanbahwa kedudukan kreditor yang sangat kuat, sering kali menempatkan debitor dalamkedudukan yang tidakseimbang. Peranan pemerintah dalam pembuatan undangundangyang dapat melindungi keduabelah pihak, sangatlah ditunggu oleh masyarakat

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ABSTRACT
This thesis focuses and analyzes the implementation of the self-enforcement of HakTanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlementof non-performing loan. The purposes of this thesis are to investigate and analyze therole of the self-enforcement of Hak Tanggungan in resolving non-performing loan. Italso focuses on obstacles encountered, and analyzis the consistency of selfenforcement arrangements in Indonesia Law of HakTanggungan . This thesis is usinganalytical descriptive study that describes the legal fact relating to security lawespecially for material in credit agreement in banking. Based on the result of researchconducted, the Author is able to know that although there are obstacles in theimplementation of the self-enforcement of Hak Tanggungan by PT Bank Mega TbkBandung, the self-enforcementof Hak Tanggungan play a significant role in solvingthe non-performing loans. The Author also concluded that there is inconsistency ofself-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on theresultof the research, the Author suggests that the government should make detailregulation to implement the law of Hak Tanggungan. This could increase the legalcertainty of the process and to the all parties that involved in the process. Anotherinteresting point in this thesis is about the reserve price collateral value, which in thiscase, the debtor suffered losses due to pricing below market price. It is also concludedthat the minimum value formation is influenced by several factors, such as theappointment of an independent valuer, the use of media in the auction advertisementand procedures for the auction. The authors also concluded that the position ofcreditors is very strong, often putting debtors in a weaker position. In this respect therole of government and law maker in making fairer and more balance regulation isneeded in order to protect both parties., This thesis focuses and analyzes the implementation of the self-enforcement of HakTanggungan carried out by PT Bank Mega, Tbk, Bandung, as an alternative settlementof non-performing loan. The purposes of this thesis are to investigate and analyze therole of the self-enforcement of Hak Tanggungan in resolving non-performing loan. Italso focuses on obstacles encountered, and analyzis the consistency of selfenforcement arrangements in Indonesia Law of HakTanggungan . This thesis is usinganalytical descriptive study that describes the legal fact relating to security lawespecially for material in credit agreement in banking. Based on the result of researchconducted, the Author is able to know that although there are obstacles in theimplementation of the self-enforcement of Hak Tanggungan by PT Bank Mega TbkBandung, the self-enforcementof Hak Tanggungan play a significant role in solvingthe non-performing loans. The Author also concluded that there is inconsistency ofself-enforcement arrangement in Indonesian Law of Hak Tanggungan. Based on theresultof the research, the Author suggests that the government should make detailregulation to implement the law of Hak Tanggungan. This could increase the legalcertainty of the process and to the all parties that involved in the process. Anotherinteresting point in this thesis is about the reserve price collateral value, which in thiscase, the debtor suffered losses due to pricing below market price. It is also concludedthat the minimum value formation is influenced by several factors, such as theappointment of an independent valuer, the use of media in the auction advertisementand procedures for the auction. The authors also concluded that the position ofcreditors is very strong, often putting debtors in a weaker position. In this respect therole of government and law maker in making fairer and more balance regulation isneeded in order to protect both parties.]