Reform of Mortgage Execution Through Auction in the Context of Seized Collateral (AYDA) by Banks

Authors

  • Hanif Fonda Universitas Borobudur, Indonesia
  • Boy Nurdin Universitas Borobudur, Indonesia

DOI:

https://doi.org/10.55324/josr.v3i12.2342

Keywords:

Seized Collateral (AYDA), Mortgage Rights, Auction Execution, Bank

Abstract

This research aims to analyze the management of Seized Collateral (AYDA) and auction procedures applied by banks in dealing with non-performing loans. Through a normative juridical approach, this study explores the impact of AYDA on market value and bank liquidity, as well as the challenges faced in the auction execution, including low buyer participation and bureaucratic constraints. The results show that effective management of AYDA can reduce the level of Non-Performing Loan (NPL), while optimal auction procedures can maximize collateral value and minimize the risk of losses. Policy recommendations are proposed to enhance the effectiveness of AYDA management and formulate more efficient auction procedures, with the hope of contributing positively to bank financial stability and the economy.

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Published

2024-11-30

Issue

Vol. 3 No. 12 (2024): Journal Of Social Research

Section

Articles

License

Copyright (c) 2024 Hanif Fonda, Boy Nurdin

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This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Creative Commons License
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