VOlUME 05 ISSUE 10 OCTOBER 2022
1Johan Yudha Pratama, 2Aminah
1,2The Notary Masters Study Program, Faculty of Law, Diponegoro University,Jl. Imam Bardjo No. 1, Pleburan, South Semarang, Central Java, 50241
DOI : https://doi.org/10.47191/ijsshr/v5-i10-35Google Scholar Download Pdf
ABSTRACT
To meet all the needs needed by humans, it is sometimes necessary to have additional capital that we can obtain through banks in the form of credit. To guarantee the passage of credit, banks need collateral to be analyzed by the bank's internal appraiser. However, in its development a new service sub-business emerged, namely an Appraiser who can help banks assess the collateral, in evaluating an appraiser must carry out their duties in accordance with the standards and code of ethics and in carrying out the assessment an appraiser is in a place called the Public Appraisal Service Office. In the assessment process it is undeniable that there is no conformity with the principles and code of ethics of the assessor, causing losses. For this action it is not possible to have administrative sanctions that can be applied to the Appraiser or Office of Public Appraisal Services. The research method used is a normative juridical legal research method, the approach used in legal research is the statute approach (¬). Results and Discussion In evaluating bank customer collateral, the legal relationship between the bank and the Appraiser as well as the Office of Public Appraisal Services is the existence of a cooperation agreement regarding the assessment of bank collateral. In carrying out the assessment activities it is undeniable that sometimes the appraiser does not work in accordance with the standards and ethical code of the existing assessors, causing losses so that it does not rule out the possibility of administrative sanctions in the form of warnings, restrictions on certain object valuation services, restrictions on the provision of certain services, freezing permits, revocation of permits. However, it does not rule out the possibility of imposing civil and criminal sanctions in accordance with what has been promised in the cooperation agreement.
KEY WORDS:Bank, Credit, Public Appraiser
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