Perlindungan Hukum Bagi Bank Dalam Perjanjian Kredit Tanpa Jaminan Hutang (Studi Kasus di Bank CIMB Niaga Manyar Surabaya)

Maharani, Nadia Prasista (2025) Perlindungan Hukum Bagi Bank Dalam Perjanjian Kredit Tanpa Jaminan Hutang (Studi Kasus di Bank CIMB Niaga Manyar Surabaya). Undergraduate thesis, UPN Veteran Jawa Timur.

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Abstract

In the era of increasingly sophisticated technology, it also influences the banking world to create new facilities or programs. The program is unsecured credit (Kredit Tanpa Guaran/KTA). This research is motivated by the practice of providing unsecured credit which is increasingly widespread in the Indonesian banking world, especially at Bank CIMB Niaga Manyar Surabaya Branch, where KTA facilities provide convenience to the community but at the same time pose a high risk for the bank as the creditor. This research uses a normative legal method with a statutory approach and a case approach. Data were obtained through literature studies and interviews with Bank CIMB Niaga. The results of the study suggest that legal protection for banks as creditors in unsecured credit agreements is carried out through the application of banking principles and the use of written legal documents outlined in the form of legally binding credit application forms. There are legal consequences that arise if the debtor defaults on an unsecured credit agreement, namely the imposition of late fines, periodic collections by the bank, and if necessary, settlement can be carried out through legal channels. In its implementation, banking in Indonesia needs to strengthen regulations and increase supervision from banking authorities to ensure balanced protection between the rights and obligations of creditors and debtors.

Item Type:

Thesis (Undergraduate)

Contributors: