?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=ANALISIS+HUKUM+KREDIT+TANPA+AGUNAN+(KTA)+MANDIRI%0D%0APAYROLL+DAN+NON+PAYROLL%0D%0A(Studi+Pada+Bank+Mandiri+KCP+Malahayati+Teluk+Betung+Kota+Bandar+Lampung)+&rft.creator=Gendis+Grasela+Indriyati%2C+1412011166&rft.subject=+&rft.description=Bank+Mandiri+menawarkan+pemberian+Kredit+Tanpa+Agunan%2C+Kredit+Tanpa+%0D%0AAgunan+adalah+sebuah+produk+perbankan+yang+memberikan+fasilitas+pinjaman+%0D%0Akepada+peminjam+tanpa+adanya+sebuah+agunan+yang+dijadikan+jaminan+atas+%0D%0Apinjaman+tersebut+yang+kemudian+disebut+dengan+Kredit+Tanpa+Agunan+Mandiri.%0D%0APermasalahan+dalam+penelitian+ini+menganalisis+syarat+dan+prosedur+pemberian+%0D%0AKredit+Tanpa+Agunan%2C+akibat+hukum+dan+upaya+penyelesaian+sengketa+apabila+%0D%0Aterjadi+wanprestasi+dalam+pemberian+Kredit+Tanpa+Agunan+(KTA)+Bank+Mandiri+%0D%0APayroll+maupun+Non+Payroll.%0D%0AJenis+penelitian+yang+digunakan+dalam+penelitian+ini+adalah+penelitian+normatif%0D%0Adengan+tipe+penelitian+deskriptif.+Pendekatan+masalah+adalah+normatif+terapan.+%0D%0AData+yang+digunakan+dalam+penelitian+ini+adalah+data+primer+dan+data+sekunder+%0D%0Ayang+terdiri+dari+bahan+hukum+primer%2C+bahan+hukum+sekunder%2C+dan+bahan+hukum+%0D%0Atersier.+Pengolahan+data+dilakukan+dengan+cara+pemeriksaan+data%2C+klasifikasi+data%2C+%0D%0Adan+penyusunan+data+yang+selanjutnya+dianalisis+secara+kualitatif.+%0D%0AHasil+penelitian+dan+pembahasan+yang+telah+dilakukan+Kredit+Tanpa+Agunan+ini+%0D%0Adapat+dikatakan+berjalan+dengan+baik+apabila+nasabah+melengkapi+syarat-syarat+%0D%0Ayang+ditujukan+untuk+memperoleh+verifikasi+yang+benar+dalam+tahap+prosedurnya%0D%0Adan+mempunyai+hubungan+hukum+berupa+hak+dan+kewajiban.+Akibat+hukum+%0D%0Aperjanjian+Kredit+Tanpa+Agunan+jika+terjadi+hal+wanprestasi+ini+adalah+perusahaan+%0D%0Atempat+bekerja+nama+nasabah+tersebutakan+di+Blacklist+dari+Bank+Indonesia+%0D%0A(BI)%2Cditambah+tekanan+terhadap+keluarga+sebagai+ahli+warisnya%2Ctekanan+dari+%0D%0Aperusahaan%2Csanksi+pemecatan%2C+serta+adanya+debt+collector.Upaya+Penyelesaian+%0D%0AKredit+Tanpa+Agunan+Mandirijikawanprestasi+dapat+diselesaikan+dengan+%0D%0Akesepakatan+mediasi+antara+bank+dan+debitur+dengan+HRD+Perusahaan+dan+%0D%0Apenyelamatan+kredit+berupa+3R+yaitu+(Rescheduling)+Penjadwalan+Kembali+%0D%0A(Reconditioning)+Persyaratan+Kembali%2C+dan+(Restructing)+Penataan+Kembali.Bank+%0D%0AMandiri+dalampilihan+alternatif+upaya+penyelesaian+dapat+melalui+dengan+di+luar+%0D%0Apengadilan+(non+litigasi)+dan+litigasi+yaitu+Pengadilan+negeri%2Cpenyitaan+piutang%EF%BF%BDpiutang+yang+diistimewakan+itu+sebagai+agunan+(jaminan)+diserahkan+oleh+pihak+%0D%0AKantor+Pelayanan+Kekayaan+Negara+dan+Lelang+(KPKNL).%0D%0AKata+Kunci+%3A+Kredit+Tanpa+Agunan%2C+Payroll%2C+Non+Payroll%0D%0A%0D%0A%0D%0ABank+Mandiri+offers+the+provision+of+Unsecured+Loans%2C+Unsecured+Loans+is+a+%0D%0Abanking+product+that+provides+loan+facilities+to+borrowers+without+the+collateral+%0D%0Abeing+pledged+as+collateral+for+the+loan%2C+which+is+then+called+Mandiri+Unsecured+%0D%0ACredit.+The+problem+in+this+study+analyzes+the+terms+and+procedures+for+granting+%0D%0AUnsecured+Loans%2C+legal+consequences+and+efforts+to+resolve+disputes+in+the+event+%0D%0Aof+default+in+the+granting+of+Bank+Mandiri+Payroll+and+Non-Payroll+Loans.%0D%0AThe+type+of+research+used+in+this+study+is+normative+research+with+descriptive+%0D%0Aresearch+type.+The+problem+approach+is+applied+normatively.+The+data+used+in+this+%0D%0Astudy+are+primary+data+and+secondary+data+consisting+of+primary+legal+materials%2C+%0D%0Asecondary+legal+materials%2C+and+tertiary+legal+materials.+Data+processing+is+done+by+%0D%0Achecking+data%2C+classifying+data%2C+and+compiling+data+which+is+then+analyzed+%0D%0Aqualitatively.%0D%0AThe+results+of+the+research+and+discussion+that+have+been+carried+out+by+Unsecured+%0D%0ALoans+can+be+said+to+run+well+if+the+customer+completes+the+conditions+intended+to+%0D%0Aobtain+correct+verification+in+the+stage+of+the+procedure+and+has+a+legal+%0D%0Arelationship+in+the+form+of+rights+and+obligations.+The+legal+consequences+of+the+%0D%0ACollateral+Credit+agreement+in+the+event+of+default+this+is+the+company+where+the+%0D%0Aclient's+name+will+work+on+the+Blacklist+from+Bank+Indonesia+(BI)%2C+plus+pressure+%0D%0Aon+the+family+as+his+heir%2C+pressure+from+the+company%2C+sanctions+for+dismissal%2C+and+%0D%0Athe+existence+of+debt+collectors.+Without+Mandiri+Collateral+performance+can+be+%0D%0Aresolved+by+mediation+agreements+between+banks+and+debtors+with+Company+%0D%0AHRD+and+rescue+loans+in+the+form+of+3R+namely+(Rescheduling)+Reconditioning+%0D%0ARequirements%2C+and+Restructuring+Resetting.+Bank+Mandiri+in+alternative+options+%0D%0Asettlement+efforts+can+be+through+outside+court+(non+litigation)+and+litigation%2C+%0D%0Anamely+the+District+Court%2C+confiscation+of+the+privileged+accounts+as+collateral+%0D%0A(collateral)+submitted+by+the+State+Wealth+and+Auction+Service+Office+(KPKNL).%0D%0A.%0D%0AKey+Words%3A+Unsecured+Loans%2C+Payroll%2C+Non+Payroll%0D%0A&rft.publisher=Fakultas+Hukum&rft.date=2019-04-26&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F55669%2F1%2FABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F55669%2F2%2FSKRISPI%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F55669%2F3%2FSKRISPI%2520TANPA%2520BAB%2520PEMBAHASAN.pdf&rft.identifier=++Gendis+Grasela+Indriyati%2C+1412011166++(2019)+ANALISIS+HUKUM+KREDIT+TANPA+AGUNAN+(KTA)+MANDIRI+PAYROLL+DAN+NON+PAYROLL+(Studi+Pada+Bank+Mandiri+KCP+Malahayati+Teluk+Betung+Kota+Bandar+Lampung).++Fakultas+Hukum%2C+Universitas+Lampung.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F55669%2F