<p>Abstract<br />This article was aimed to find out the resolution of bad credits with Collateral procedures are taken over (AYDA) at the Regional Company BPR Bank Klaten the effort against the debtor as one lender protection efforts. This research is a study of empirical law that is descriptive to describe. Data collection techniques are conducted with interviews, observations or observations literature studies. Based on the results of the research and the discussion produced drawing a<br />conclusion. First, the settlement of bad credit at the Regional Company BPR Bank Klaten with the debtor sent by the provision of a warning letter for three times, then do the call in written and spoken, then do negosiation to turn over as collateral by AYDA perform procedure. Second, the impediments that experienced by the Regional Company BPR Bank Klaten in the face of non-perfoming loans that is a lack of idea of being careful with a field officer, the existence of<br />faith not good from a debtor, and the existence of the disasters which hit a debtor. While from the regulation those are many requirements in notarial required in AYDA, and the term of selling collateral maximum one year.</p><p>Keywords: Settlement Of Bad Credit; AYDA; The Protection Of Creditors; The Company Of The Rural Banks.</p><p>Abstrak<br />Artikel ini bertujuan untuk mengetahui penyelesaian kredit macet dengan prosedur Agunan yang diambil alih (AYDA) pada Bank Perkreditan Rakyat Klaten terhadap debitur sebagai salah satu upaya perlindungan kreditur. Penelitian hukum ini merupakan penelititan hukum empiris yang bersifat deskriptif. Teknik pengumpulan data yang digunakan yaitu wawancara narasumber dan studi kepustakaan. Berdasarkan hasil penelitian dan pembahasan, dihasilkan simpulan. Kesatu, penyelesaian kredit macet pada BPR Klaten dengan debitur dilakukan dengan pemberian Surat Peringatan hingga tiga kali, kemudian melakukan pemanggilan secara lisan dan tertulis, kemudian negosiasi untuk menyerahkan agunan dengan melaksanakan prosedur AYDA. Kedua, hambatan yang dialami oleh BPR Klaten dalam menghadapi kredit macet yaitu kurangnya ketelitian petugas lapangan, adanya itikad tidak baik dari debitur, dan adanya musibah yang menimpa debitur. Sedangkan dari regulasi, hambatan yang ada yaitu banyaknya persyaratan secara Notarial yang dibutuhkan dalam AYDA, dan jangka waktu penjualan yang terlalu cepat yaitu maksimal satu tahun.</p><p>Kata Kunci: Penyelesaian Kredit Macet; AYDA; Perlindungan Kreditur; Perseroan Daerah BPR Bank Klaten.</p>
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