?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PELAKSANAAN+PEMBERIAN+KREDIT+USAHA+RAKYAT+(KUR)+PADA%0D%0ABANK+RAKYAT+INDONESIA+(BRI)+CABANG+KOTABUMI%0D%0A&rft.creator=MUHAMMAD+%2C+THARIQ+FADHILA&rft.subject=340+Ilmu+hukum&rft.subject=346+Hukum+privat%2C+hukum+perdata&rft.description=Kredit+merupakan+sumber+modal+bagi+pelaku+ekonomi%2C+dan+penyaluran+kredit%0D%0Adilakukan+melalui+perjanjian+pinjam-meminjam+yang+diatur+dalam+Pasal+1754%0D%0AKUHPerdata.+Mengacu+pada+pasal+1754+KUHPdt+bahwa+dalam+perjanjian+pinjam%0D%0Ameminjam+ada+kewajiban+bagi+peminjam+untuk+menggembalikan+barang+atau%0D%0Ajumlah+yang+sama%2C+BRI+berperan+sebagai+salah+satu+bank+yang+menyalurkan+KUR%0D%0Adengan+tingkat+suku+bunga+yang+relatif+rendah.+Dengan+rendahnya+tingkat+suku%0D%0Abunga+KUR+yaitu+6%25+pertahun%2C+Debitur+banyak+mengajukan+kredit+ini%2C+namun%0D%0Adisinyalir+para+debitur+tidak+melakukan+kewajibannya+(gagal+bayar).%0D%0AJenis+penelitian+ini+adalah+studi+hukum+normatif+empiris+dengan+tipe+penelitian%0D%0Ayang+digunakan+adalah+penelitian+hukum+deskriptif.+Pendekatan+masalah+yang%0D%0Adigunakan+ialah+non-judicial+case+study.+Data+yang+digunakan+dalam+penelitian+ini%0D%0Aadalah+data+primer+dan+data+sekunder+dan+bahan+hukum+tersier.+Pengumpulan+data%0D%0Adilakukan+dengan+wawancara+dan+studi+pustaka.+Data+yang+dikumpulkan+kemudian%0D%0Adianalisis+secara+kualitatif.%0D%0AHasil+penelitian+dan+pembahasan+mendeskripsikan+bahwa+dalam+pelaksanaan+hak%0D%0Adan+kewajiban+perjanjian+Kredit+Usaha+Rakyat+di+BRI+Cabang+Kotabumi%2C+Surat%0D%0APengakuan+Hutang+memegang+peranan+penting+sebagai+dokumen+yang+mengatur%0D%0Ahubungan+antara+debitur+dan+kreditur.+Pelaksanaan+hak+dan+kewajiban+nasabah%0D%0AKUR+BRI+Cabang+Kotabumi+tidak+seluruhnya+dapat+terimplementasikan+dengan%0D%0Abaik+dikarenakan+terdapat+sejumlah+hambatan.+Hambatan-hambatan+yang+dihadapi%0D%0Aadalah+ketidakstabilan+finansial+yang+dialami+oleh+nasabah%2C+akibat+fluktuasi+pasar%2C%0D%0Aperubahan+regulasi%2C+dan+kenaikan+biaya+produksi.+Hal+ini+menyebabkan+penurunan%0D%0Apendapatan+dan+kesulitan+dalam+mengelola+arus+kas%2C+yang+pada+gilirannya%0D%0Amenghambat+kemampuan+mereka+untuk+melunasi+pinjaman+dengan+tepat+waktu%0D%0Aatau+bahkan+menyebabkan+wanprestasi.%0D%0AKata+kunci%3A+BRI+Kotabumi%2C+Hak+dan+kewajiban%2C+Kredit+Usaha+Rakyat.%0D%0A%0D%0Aiii%0D%0A%0D%0AABSTRACT%0D%0A%0D%0AIMPLEMENTATION+OF+PEOPLE'S+BUSINESS+CREDIT+(KUR)+PROVIDING%0D%0AAT+BANK+PEOPLE+INDONESIA+(BRI)+KOTABUMI+BRANCH%0D%0A%0D%0ABy%3A%0D%0A%0D%0AMUHAMMAD+THARIQ+FADHILA%0D%0A%0D%0ACredit+is+a+source+of+capital+for+economic+actors%2C+and+credit+distribution+is+carried%0D%0Aout+through+loan+and+borrowing+agreements+regulated+in+Article+1754+of+the+Civil%0D%0ACode.+Referring+to+article+1754+of+the+Criminal+Code+that+in+a+loan+agreement+there%0D%0Ais+an+obligation+for+the+borrower+to+return+goods+or+the+same+amount%2C+BRI+acts+as%0D%0Aone+of+the+banks+that+distributes+KUR+at+relatively+low+interest+rates.+With+the+low%0D%0AKUR+interest+rate%2C+namely+6%25+per+year%2C+many+debtors+apply+for+this+credit%2C+but+it+is%0D%0Asuspected+that+the+debtors+are+not+carrying+out+their+obligations+(failing+to+pay).%0D%0AThis+type+of+research+is+an+empirical+normative+legal+study+with+the+type+of%0D%0A%0D%0Aresearch+used+is+descriptive+legal+research.+The+problem+approach+used+is+non-%0D%0Ajudicial+case+study.+The+data+used+in+this+research+are+primary+data+and+secondary%0D%0A%0D%0Adata+and+tertiary+legal+materials.+Data+collection+was+carried+out+by+interviews+and%0D%0Aliterature+study.+The+data+collected+was+then+analyzed+qualitatively.%0D%0AThe+results+of+the+research+and+discussion+describe+that+in+implementing+the+rights%0D%0Aand+obligations+of+the+People's+Business+Credit+agreement+at+BRI+Kotabumi%0D%0ABranch%2C+the+Debt+Acknowledgment+Letter+plays+an+important+role+as+a+document%0D%0Athat+regulates+the+relationship+between+debtors+and+creditors.+The+implementation%0D%0Aof+the+rights+and+obligations+of+KUR+BRI+Kotabumi+Branch+customers+cannot+be%0D%0Afully+implemented+properly+due+to+a+number+of+obstacles.+The+obstacles+faced+are%0D%0Afinancial+instability+experienced+by+customers%2C+due+to+market+fluctuations%2C+changes%0D%0Ain+regulations%2C+and+increases+in+production+costs.+This+leads+to+reduced+income+and%0D%0Adifficulty+in+managing+cash+flow%2C+which+in+turn+hinders+their+ability+to+repay+loans%0D%0Aon+time+or+even+leads+to+default.%0D%0AKeywords%3A+BRI+Kotabumi%2C+Rights+and+Obligations%2C+People's+Business+Credit.&rft.publisher=FAKULTAS+HUKUM&rft.date=2024-06-28&rft.type=Skripsi&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85608%2F1%2FABSTRAK%2520-%2520MUHAMMAD%2520THARIQ%2520FADHILA.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85608%2F2%2FSKRIPSI%2520FULL%2520-%2520MUHAMMAD%2520THARIQ%2520FADHILA.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F85608%2F3%2FSKRIPSI%2520TANPA%2520BAB%2520PEMBAHASAN%2520-%2520MUHAMMAD%2520THARIQ%2520FADHILA.pdf&rft.identifier=++MUHAMMAD+%2C+THARIQ+FADHILA++(2024)+PELAKSANAAN+PEMBERIAN+KREDIT+USAHA+RAKYAT+(KUR)+PADA+BANK+RAKYAT+INDONESIA+(BRI)+CABANG+KOTABUMI.++FAKULTAS+HUKUM%2C+UNIVERSITAS+LAMPUNG.+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F85608%2F