Due To Legal Restructuring Of Credit Agreements On Liability Guarantee In Problem Credit Saving Effort (PT. State Savings Bank Banyuwangi Branch Office)

Authors

  • Rudi Mulyanto Lecturer of the Faculty of Law, University of 17 August 1945 Banyuwangi , Indonesia

DOI:

https://doi.org/10.31004/jptam.v6i2.4838

Keywords:

Restrukturisasi, Perjanjian Kredit, Kredit Bermasalah

Abstract

Dalam pelaksanaan Perjanjian Kredit terkadang muncul faktor-faktor yang menyebabkan pembayaran angsuran yang telah disepakati menjadi tidak lancar. Penelitian ini menggunakan hukum empiris (sosiologis) dengan analisis kualitatif. Hasil penelitian menyimpulkan bahwa: 1) Dengan adanya restrukturisasi dapat mencegah PT Bank Tabungan Negara (Persero) Tbk. sebagai kreditur yang telah meminjamkan dana kepada debitur dari kerugian, karena PT Bank Tabungan Negara (Persero) Tbk. sebagai kreditur harus menjaga kualitas kredit yang telah diberikan kepada debitur. Hal ini akan mempengaruhi kelangsungan usaha dan kesehatan PT Bank Tabungan Negara (Persero) Tbk; 2) Restrukturisasi dapat menghindari penyelesaian kredit melalui lembaga hukum, karena dalam pelaksanaannya penyelesaian kredit melalui lembaga hukum memerlukan biaya dan waktu serta tenaga yang cukup besar, yang hasilnya lebih rendah dibandingkan pinjaman yang dikeluarkan oleh PT Bank Tabungan Negara (Persero) Tbk.

References

Good luck, Buddy. (2005). Banking Credit in Indonesia. Yogyakarta: Andi.

Husni Hasbullah, Frieda. (2002). Civil Material Law: Rights That Give Enjoyment (Volume I). Jakarta:Ind-Hill.Co.

Jusuf, Jopie. (2001). Accurate Criteria for Obtaining Bank Credit. Jakarta: PT Elex Media Komputindo.

Nature, Sumarni. 2019. Settlement of Bad Loans in a Credit Agreement with Guaranteed Mortgage on Land.1(2):113.

R. Subekti. (1979). Loan Law, Jakarta: Pradnya Paramita.

Sjahdeni, Sutan Remy. (1997). Syndicated Credit Formation Process and Legal Aspects. Jakarta: Main Library of Graffiti.

Sutarno. (2003). Legal Aspects of Credit in Banks. Bandung: Alphabeta CV.

Usman, Rachmadi. (2001). Legal Aspects of Banking in Indonesia. Jakarta: PT Gramedia Pustaka Utama.

Legislation:

Constitution.

Code of Civil law.

Law Number 10 of 1998 concerning Banking.

Law Number 4 of 1996 concerning Mortgage Rights.

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Published

26-07-2022

How to Cite

Mulyanto, R. . (2022). Due To Legal Restructuring Of Credit Agreements On Liability Guarantee In Problem Credit Saving Effort (PT. State Savings Bank Banyuwangi Branch Office). Jurnal Pendidikan Tambusai, 6(2), 15422–15428. https://doi.org/10.31004/jptam.v6i2.4838

Issue

Vol. 6 No. 2 (2022): Agustus 2022

Section

Articles of Research

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