Penyelesaian Wanprestasi dalam Perjanjian Kredit dengan Jaminan Fidusia di Bank Perkreditan Rakyat Usaha Mikro Kecil dan Menengah Jawa Timur Cabang Surabaya

Rahmalia, Yasmin Surya (2024) Penyelesaian Wanprestasi dalam Perjanjian Kredit dengan Jaminan Fidusia di Bank Perkreditan Rakyat Usaha Mikro Kecil dan Menengah Jawa Timur Cabang Surabaya. Undergraduate thesis, Universitas Pembangunan Nasional "Veteran" Jawa Timur.

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Abstract

Default is the inability or negligence of one of the parties to fulfill the obligations agreed upon in the agreement. Failure to pay is a form of default that is often found at the Surabaya Branch of the East Java BPR UMKM Bank. In this research, empirical juridical research methods are used or interpreted as sociological law to carry out field research by examining applicable legal provisions that also occur in society. This research uses a statutory approach and a case approach. As a result of this research, the author found several factors inhibiting the process of resolving defaults, such as loss of collateral and breach of agreement by the debtor, apart from that, the debtor's lack of good faith and a decrease in the value of the collateral object are one of the factors for the debtor to default. To overcome this problem, the solution implemented by Bank BPR UMKM East Java Surabaya Branch is 3R, namely Rescheduling, Reconditioning and Restructuring (rescheduling, re-requirements, re-structuring), execution of collateral, provision of insurance to prevent losses due to loss of collateral, as well as use of channels law if necessary. Another preventive measure is that the bank examines it more carefully before the credit application process is carried out, and double-checks it to prevent debtors from defaulting on credit payments.

Item Type:

Thesis (Undergraduate)

Contributors: