{"id":12455,"date":"2026-03-12T16:06:21","date_gmt":"2026-03-12T16:06:21","guid":{"rendered":"https:\/\/sriwijayapertama.net\/?p=12455"},"modified":"2026-03-12T16:06:21","modified_gmt":"2026-03-12T16:06:21","slug":"sengkarut-sertifikat-kpr-btn-palembang-nasabah-lunas-sejak-2025-hak-milik-masih-disandera","status":"publish","type":"post","link":"https:\/\/sriwijayapertama.net\/index.php\/2026\/03\/12\/sengkarut-sertifikat-kpr-btn-palembang-nasabah-lunas-sejak-2025-hak-milik-masih-disandera\/","title":{"rendered":"Sengkarut Sertifikat KPR BTN Palembang: Nasabah Lunas Sejak 2025, Hak Milik Masih &#8220;Disandera&#8221;"},"content":{"rendered":"<p><strong>Sriwijayapertama.net Palembang &#8211;<\/strong> Kekecewaan mendalam dialami Marlinda, debitur Kredit Kepemilikan Rumah (KPR) Bank Tabungan Negara (Persero) Tbk Kantor Cabang Palembang. Meski telah melunasi seluruh kewajibannya sejak Juli 2025, dokumen Sertifikat Hak Milik (SHM) yang menjadi haknya tak kunjung diserahkan oleh pihak bank.<\/p>\n<p>Rumah yang berlokasi di Perumahan Griya Muara Enim Permai, Blok A2\/17, Kabupaten Muara Enim tersebut kini berstatus tanpa kepastian hukum.<\/p>\n<p>Padahal, secara finansial, nasabah telah memenuhi seluruh komitmen yang disyaratkan dalam akad kredit.<\/p>\n<p>&#8220;Kami sudah menyelesaikan pelunasan KPR, namun sampai sekarang sertifikat tidak pernah kami terima. Tidak ada penjelasan tertulis yang jelas dari pihak bank,&#8221; ujar perwakilan keluarga Marlinda kepada tim redaksi, Sabtu (15\/02\/2026).<\/p>\n<p>Indikasi Maladministrasi dan Pelanggaran Undang-Undang (UU).<\/p>\n<p>Kasus ini dinilai kuat berindikasi pada tindakan maladministrasi pelayanan publik.<\/p>\n<p>Merujuk pada UU Nomor 37 Tahun 2008 tentang Ombudsman RI, penundaan berlarut dan pengabaian kewajiban hukum oleh institusi perbankan pelat merah merupakan bentuk pelanggaran serius.<\/p>\n<p>Selain itu, situasi ini diduga kuat melanggar UU Nomor 8 Tahun 1999 tentang Perlindungan Konsumen serta UU Nomor 10 Tahun 1998 tentang Perbankan. Bank berkewajiban menjaga kepentingan nasabah dan menjamin transparansi informasi, termasuk pengembalian agunan segera setelah kredit dinyatakan lunas.<\/p>\n<p>Kronologi dan Dugaan Pungutan Liar<\/p>\n<p>Berdasarkan data yang dihimpun, akad kredit dilakukan pada 6 Juni 2014 melalui BTN Kantor Cabang Pembantu (KCP) Muara Enim.<\/p>\n<p>Pasca-pelunasan yang disahkan pada 15 Juli 2025 oleh pejabat bank terkait, nasabah justru mendapat jawaban mengecewakan.<\/p>\n<p>Pihak bank menyatakan sertifikat tidak berada di kantor mereka dan mengarahkan nasabah menemui Notaris rekanan di muara Enim.<\/p>\n<p>Ironisnya, saat dikonfirmasi, pihak Notaris justru meminta biaya tambahan sebesar Rp15.000.000. Alasan yang dikemukakan adalah sertifikat masih berbentuk induk dan memerlukan proses turun waris karena pengembang dikabarkan telah meninggal dunia.<\/p>\n<p>Hal ini menimbulkan pertanyaan besar mengenai prinsip kehati-hatian bank saat melakukan akad di awal masa kredit.<\/p>\n<p>Jawaban Pihak Bank yang Mengambang<\/p>\n<p>Hasil investigasi lapangan bahwa menunjukkan bahwa kasus ini bukan sekadar masalah tunggal. Ratusan debitur di perumahan yang sama diduga mengalami nasib serupa selama bertahun-tahun.<\/p>\n<p>Saat dikonfirmasi pada Kamis (19\/02\/2026) yang lalu pihak keluarga dan tim redaksi ,staf bagian dokumen BTN Cabang Palembang, Maya, membenarkan adanya kendala pada sertifikat induk atas nama Nursiti (Alm). Namun, pihak bank tidak mampu memberikan kepastian waktu (timeline) penyelesaian.<\/p>\n<p>&#8220;Kami hanya bawahan, untuk lebih detil hubungi saja kontak itu,&#8221; ujar petugas sembari menyodorkan secarik kertas berisi nomor telepon tanpa penjelasan teknis.<\/p>\n<p>Menanti Ketegasan OJK dan Ombudsman<\/p>\n<p>Praktisi hukum menilai BTN sebagai bank negara seharusnya mengedepankan prudential principle (prinsip kehati-hatian).<\/p>\n<p>Jika terbukti lalai dalam mengawasi agunan nasabah, BTN terancam sanksi administratif dari Otoritas Jasa Keuangan (OJK), mulai dari denda hingga pembatasan kegiatan usaha.<\/p>\n<p>Hingga berita ini diturunkan, belum mendapatkan tanggapan dari manajemen BTN Cabang Palembang.<\/p>\n<p>Kasus ini akan terus dikawal hingga nasabah mendapatkan haknya sesuai koridor hukum yang berlaku. 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