ANALISIS HUKUM TERHADAP RESTRUKTURISASI PERJANJIAN KREDIT DALAM PERHATIAN KHUSUS (Studi Kasus pada PT Bank Rakyat Indonesia, Tbk Cabang Bandar Jaya Unit Haduyang Ratu)

Ucok Parulianth Simamora, 1122011049 (2017) ANALISIS HUKUM TERHADAP RESTRUKTURISASI PERJANJIAN KREDIT DALAM PERHATIAN KHUSUS (Studi Kasus pada PT Bank Rakyat Indonesia, Tbk Cabang Bandar Jaya Unit Haduyang Ratu). Other thesis, Universitas Lampung.

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Abstrak

ABSTRAK Lembaga perbankan merupakan inti dari sistem keuangan dari setiap negara. Bank memiliki fungsi utama sebagai lembaga perantara keuangan antara kelompok yang memiliki kelebihan dana dengan kelompok yang kekurangan dana. Penyaluran dana yang sering dilakukanoleh bank adalah dalam bentuk kredit. Penyaluran kredit yang tidak tepat akan menimbulkan kredit bermasalah. Bank Indonesia melalui Surat Edaran Bank Indonesia Nomor 3/10/UPPB tanggal 12November 1998, memberikan penggolongan mengenai kualitas kredit apakah kredit yang diberikan bank termasuk kredit performing loan (tidak bermasalah) atau non performing loan (bermasalah), yaitu kredit lancar, dalam perhatian khusus, kurang lancar, diragukan dan macet.Kredit dalam perhatian khusus termasuk dalam golongan kredit performing loan, namunjikatidakdilakukantidakansecaracepatdantepatakanmasukkedalamgolongankreditnon performing loan (bermasalah). Olehkarenaitu, perludilakukantindakansecaracepatdantepat, salahsatunyadenganmelakukanrestrukturisasikredit.Permasalahandalampenelitianiniadalah:(1) Bagaimana pelaksanaan dananalisishukumterhadaprestrukturisasi perjanjian kreditdalam perhatian khusus pada PT.Bank Rakyat Indonesia,TbkCabang Bandar Jaya Unit HaduyangRatu ? (2) Bagaimana akibathukumterhadaprestrukturisasiperjanjiankreditdalamperhatiankhususpada PT. Bank Rakyat Indonesia,Tbk.Cabang Bandar Jaya Unit HaduyangRatu ? Metodepenelitian yang digunakanadalahpendekatanyuridisnormatifdanyuridisempiris.Teknikpengumpulan data dilakukandenganstudipustaka, dokumentasi, danwawancara, sedangkanuntukpengolahan data dilakukandenganediting, coding, dananalisis data.NarasumberpenelitianiniadalahKepala Unit BRI HaduyangRatu, AMBM BRI Kanca Bandar Jaya, danLegal Officer BRI Kanwil Lampung. Hasilpenelitiandiketahuibahwapelaksanaanrestrukturisasiterhadaprestrukturisasiperjanjiankreditdalamperhatiankhususpada PT. Bank Rakyat Indonesia, TbkCabang Bandar Jaya Unit HaduyangRatudilakukandalambeberapatahapan, yaitu Prakarsa RestrukturisasiKredit, NegosiasidenganDebitur, EvaluasidanAnalisis, PutusanRestrukturisasiKredit, DokumentasiRestrukturisasiKredit, danPengawasanRestrukturisasiKredit. Undang-UndangNo. 10 Tahun 1998 tentangPerbankanmerupakansumberhukumutamaperbankan di Indonesia.Selainitu,peratutanmengenaipenyalurankreditjugadiaturdalamKUHPerdata, khususnyaPasal 1243, yang memuatperaturanmengenaiakibat yang diterimabagidebitur yang melakukanwanprestasiterhadapkreditnya, Pasal 1267 yang berisitentanghakkrediturakibatwanprestasi, danPasal 1244 mengenaikebijakanrestrukturisasikredit.Analisishukumrestrukturisasiperjanjiankreditdalamperhatiankhususpada PT. Bank Rakyat Indonesia, TbkCabangBandarjaya Unit HaduyangRatudilakukansesuaidenganPasal29 danPasal30 UndangUndangNomor 10 Tahun 1998 tentangPerbankansertaPasal 1243,Pasal 1267,Pasal 1244 KUHPerdata. Akibathukumpelaksanaanrestrukturisasiperjanjiankreditdalamperhatiankhususadalahtimbulnyakonsekuensibatalnyaperjanjiankreditawal yang telahdisepakati, danmembatalkansegalahakdankewajibanbagi BRI Unit HaduyangRatuselakukrediturdan Emi Rahayuniselakudebitur.Selainitu, jaminan yang telahdiikatHakTanggunganmemilikiakibathukumtersendiri. Bagi debitur, konsekuensinya adalah adanya negative covenant( klausa negatif) sedangkan bagi kreditur, bank menjadi kreditur preferent. Kata Kunci: Restrukturisasi Kredit, Perjanjian Kredit Dalam Perhatian Khusus. PT. Bank Rakyat Indonesia, Tbk. ABSTRACT Banking institutions are the core of the financial system of each country. The Bank has a primary function as a financial intermediary between groups with excess funds and underfunded groups. Improper lending will cause a bad credit or bad loans. Indonesian Bank through Documents Indonesian Bank No. 3/10/UPPB on November 12th 1998, characterized credit quality what the credit performing loan is or non performing loan, they are; active credit, in special attention, substandard inactive credit. Special attention credit, althought categorized as non performing loan, if it is not executed properly and quickly can be categorized as non performing loan. Therefore, action needs to be done quicly and precisely, that is restructuring credit. The problems of the research are: (1) How does the law implementation and analysis towards restructuring credit agreement in a special attention at PT. Bank Rakyat Indonesia, TbkCabang Bandar Jaya Unit HaduyangRatu ?(2) How does effect law towards restructuring credit agreement in special attention at PT. Bank Rakyat Indonesia, Tbk, Cabang Bandar Jaya Unit HaduyangRatu ? The Research method is normative juridical approach and empirical juridical approach by analytical descriptive approach. Data collecting techniques was done by library study, documentation, and interview, data processing was done by editing, coding and data analysis. Source of this research is the head of BRI HaduyangRatu, AMBM BRI Kabca Bandar Jaya, and Legal Officer BRI Kanwil Lampung. The result of research shown that the implementation of restructuring credit apreement in special attention at PT Bank Rakyat Indonesia, TbkCabang Bandar Jaya Unit HaduyangRatu was done in some stages, they are Credit Restructuring Initiative, Negotiations with Debtor, Evaluations and Analysis, Credit Restructuring Decision, Credit Restructuring Controling. The Law No. 10 year 1998 stated that Banking is main source of law banking in Indonesia. Besides that, the regulations of credit distribution was managed in KUHP civil, especially article 1243, which stated the regulations the consequence to the sebtor which default towards their credit. Article 1267 stated that the rights creditors due to default and article 1244 stated that credit restructuring policy. Legal analysis of restructuring credut agreement in special attention at PT Bank Rakyat Indonesia, TbkCabang Bandar Jaya Unit HaduyangRatu which was execute according to the Article 29 and 30 Law No. 10 Year 1998 stated banking and Article 1243, 1267, 1244 KUHP civil. The effects of law implementation of restructuring credit agreement in special attention leads to the consequences of cancellation of credit agreement early, and cancelling all rights and obligations for BRI Unit HaduyangRatu as creditors and Emi Rahayuni as Debtor. Beside that, guarantee that has been tied rights dependents have the legal consequences of its own. To debtor, consequences in negative covenant but to creditor, bank can be preferent creditor. Keywords: Restructuring Credit, Credit Agreement in Special Attention, PT. Bank Rakyat Indonesia, Tbk.

Tipe Karya Ilmiah: Tesis (Other)
Subyek: Hukum Pidana
Criminal law
Program Studi: Fakultas Hukum > Magister Hukum S2
Depositing User: 16802695 . Digilib
Date Deposited: 11 Aug 2017 02:34
Last Modified: 11 Aug 2017 02:34
URI: http://digilib.unila.ac.id/id/eprint/27196

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