EKSISTENSI KUASA MENJUAL DALAM PENYELESAIAN KREDIT DEBITUR MACET MELALUI PROSES AYDA (Aset Yang Diambil Alih Oleh Bank)

Abstract

This study discusses the existence of the power of attorney to sell and the authority of creditors in the deed of attorney to sell as part of the settlement of bad debtor loans through the AYDA process, as well as the importance of legal certainty of the deed of attorney to sell. In the first analysis, we understand the role and implications of the power of attorney to sell and the rights and authorities of creditors in carrying out the deed of sale. The second analysis highlights the urgency of legal certainty in the deed of sale to ensure transparency, fairness, and optimal protection in the settlement of bad debtor loans. Both provide in-depth insight into legal aspects and build public confidence in the debtor's credit settlement system through the AYDA process. The method used is juridical normative which aims to find the conformity of the rule of law with legal norms; the conformity of legal norms with legal principles; and the conformity of actions with legal norms or legal principles The result of this study is that the settlement of the debtor's credit through the AYDA process requires good regulation and protection of the debtor's rights. Clear regulation, close supervision, awareness-raising and periodic evaluations are important for a fair, effective and balanced settlement. Legal certainty in the power of Attorney Act is also important. Such legal clarity ensures fairness, protection of debtors ' rights, and builds public confidence in the banking system.