Analisis Pertanggungjawaban Developer terhadap Kredit Macet Menurut Undang-Undang Nomor 1 Tahun 2011 Tentang Perumahan dan Kawasan Permukiman

Abstract

The development of housing loans disbursed by North Lampung Matrix Housing Developers sometimes results in problems of bad credit where the realization of loans disbursed does not reach the set target. This can affect the activities of the North Lampung Matrix Housing and have implications for Developer accountability. How is the accountability of the developer to credit according to Act Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung,. The results of the research show that the responsibility of the developer for credit according to Act Number 1 of 2011 concerning Housing and Settlement Areas in Matrix Housing in North Lampung, which has obligations in billing of debtors who experience non-performing loans in cooperation with the North Lampung Matrix Housing Partner Bank, this obligation is the essence has not been specifically regulated in the banking Act and still uses general rules such as the Banking Act, Civil Code and Act Number 40 of 2007 concerning Limited Liability Companies. The absence of special rules "lex speciali" is a weakness in liability in the event of bad credit. All components of the North Lampung Matrix Housing have juridical responsibility for all operational activities. Efforts to settle non-performing loans in Matrix Housing in North Lampung can be taken in two ways, namely litigation efforts through the court and non-litigation efforts through preventive measures, namely actions to anticipate the emergence of bad loans, early warnings, and negotiation efforts Keywords:  Responsibility, Developer,  Housing Loans