Implementasi Perjanjian Kredit Perbankan Dalam Mewujudkan Kepatuhan Debitur dan Efektivitas Perjanjian

Muhammad Adzel Alvian, Shenti Agustini, Winda Fitri

Abstract


Banking Credit is an agreement between a bank (creditor) and a borrower (debtor) that regulates the provision of loans by banks to customers. This agreement includes various terms and conditions that must be met by both parties, including the loan amount, interest rate, payment period, installment payment obligations, and the rights and obligations of each party. Examples of provisions often found in this agreement are the debtor's obligation to pay installments on time, provisions regarding late fees, and conditions governing the use of collateral in the form of assets that can be auctioned if the debtor fails to pay the debt. This research aims to discuss the rules related to banking credit agreements and the implementation of banking credit agreements, especially by banks, so that these agreements can be obeyed by debtors and run effectively. The method used in this research is the Empirical research method which uses data collection techniques through interviews. credit agreements use standard contracts that contain the rights and obligations of both parties. To mitigate the risk of default, collateral is required and can be sold if the debtor fails to pay. The principle of prudence is applied so that banks remain healthy and maintain public trust. An effective credit agreement involves analyzing the prospective debtor's eligibility, drafting a clear agreement, and monitoring the debtor's performance on an ongoing basis.Banking Credit Agreement is an agreement between a bank (creditor) and a borrower (debtor) that regulates the provision of loans by banks to customers. This agreement includes various terms and conditions that must be met by both parties, including the amount of the loan, the interest rate, the payment period, and the obligations and rights of each party. the purpose of this study is to discuss the rules related to banking credit agreements and the implementation of banking credit agreements, especially the bank so that the agreement can be obeyed by the debtor and run effectively. the method used in this study is empirical, the credit agreement uses a standard contractthath contains the rights and obligationof both parties. To mitigate the risk of defaul, collateral is required and can be sold if the debtor fails to pay. The percautionary principle is applied so that banks remain healthy, As well as maintaining public trust. an effective credit agreement involves analyzing the eligibility of the prospective debtor, drafting a clear agreement, and monitoring the debtor's performance on an ongoing basis to minimze risks and ensure debtor compliance 

Keywords


Credit Agreement; Compliance; Debtor

Full Text:

PDF

References


Baneftar, F. A. (2020). Wanprestasi Dalam Perjanjian Kredit Perbankan Dengan Jaminan Sertifikat Tanah Ditinjau Dari Undang-Undang Nomor 4 Tahun 1996. Jihk, 1(2), 139–156. Https://Doi.Org/10.46924/Jihk.V1i2.127

Danil, & Asbullah Thamrin. (2021). Perlindungan Hukum Bagi Kreditur Dalam Perjanjian Kredit Menurut Undang-Undang Nomor 4 Tahun 1996 Tentang Hak Tanggungan. Jssha Journal of Social Sciences Humanitis And Humaniora Adpertisi, 1. Https://Jurnal.Adpertisi.Or.Id/Index.Php/Jsshha/Article/View/229

David Tan. (2021). Metode Penelitian Hukum: Mengupas Dan Mengulas Metodologi Dalam Menyelenggarakan Penelitian Hukum. Nusantara: Jurnal Ilmu Pengetahuan Sosial, Vol 8. Http://Jurnal.Um-Tapsel.Ac.Id/Index.Php/Nusantara/Index

Dermanto Situmorang, Iriansyah, & Yeni Triana. (2023). Tanggung Jawab Hukum Debitur Terhadap Perbankan Atas Perjanjian Pinjaman Modal Usaha. Seminar Nasional Sekolah Pascasarjana Universitas Lancang Kuning, 1. Https://Journal.Unilak.Ac.Id/Index.Php/Senaspu/Article/View/13001/4695

Disemadi, H. S., & Prananingtyas, P. (2019). Perlindungan Hukum Terhadap Nasabah Perbankan Pengguna Crm (Cash Recycling Machine). Jurnal Magister Hukum Udayana (Udayana Magister Law Journal), 8 No.3. Https://Doi.Org/10.24843/Jmhu.2019.V08.I03

Ekawati Rahayu Ningsih. (2017). Studi Eksplorasi Penerapan Etika Bisnis Pada Perbankan Syari’ah Di Indonesia. Iqtishadia: Jurnal Kajian Ekonomi Dan Bisnis Islam Stain, 10. Https://Doi.Org/Https://Dx.Doi.Org/10.21043/Iqtishadia.V10i1.2443

Etty Mulyati, & Fajrina Aprilianti Dwiputri. (2018). Prinsip Kehati-Hatian Dalam Menganalisis Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan. Jurnal Hukum Kenotariatan Dan Ke-Ppat-An, Vol 1. Https://Jurnal.Fh.Unpad.Ac.Id/Index.Php/Acta/Article/View/164

Gentur Cahyo Setiono, Herry Sulistyo, & Satriyani Cahyo Widayati. (2021). Cidera Janji Dalam Perjanjian Kredit Jaminan Fidusia. Jurnal Transparansi Hukum, 4. Https://Ojs.Unik-Kediri.Ac.Id/Index.Php/Transparansihukum/Article/View/1510

Izaac Lucas Dominggus Lawalata. (2017). Efektivitas Penyelesaian Kredit Bermasalah Melalui Parate Eksekusi Objek Jaminan Fidusia Pada Lembaga Perbankan. Akmen Jurnal Ilmiah, 14. Https://E-Jurnal.Nobel.Ac.Id/Index.Php/Akmen/Article/View/79

Krisnayana, K. T., Putu, A., & Danyathi, L. (2021). Perlindungan Hukum Debitur Dalam Kegiatan Perbankan Berkaitan Dengan Wanprestasi Yang Timbul Akibat Pandemi. Jurnal Kertha Negara, 9(11), 894–903. Https://Ojs.Unud.Ac.Id/Index.Php/Kerthanegara/Article/Download/75005/40964

Langit, E. S., & Setyorini, E. H. (2022). Perlindungan Hukum Debitur Wanprestasi Pada Perjanjian Kredit Rumah Atas Jaminan Hak Tanggungan. Bureaucracy Journal: Indonesia Journal Of Law And Social-Political Governance, 2(2), 777–793. Https://Doi.Org/10.53363/Bureau.V2i2.107

Marsheila Audrey Nuralisha, & Siti Mahmudah. (2023). Tinjauan Yuridis Tanggung Jawab Hukum Dalam Perjanjian Kredit Perbankan Apabila Debitur Wanprestasi. Jurnal Hukum Dan Pranata Sosial Islam, Vol 5. Https://Doi.Org/10.37680/Almanhaj.V5i1.2364

Mohammad Wisno Hamin. (2017). Perlindungan Hukum Bagi Nasabah (Debitur) Bank Sebagai Konsumen Pengguna Jasa Bank Terhadap Risiko Dalam Perjanjian Kredit Bank. Lex Crimen, Vol 6.

Muhamad Turmudi. (2017). Pembiayaan Mikro Bri Syariah: Upaya Pemberdayaan Dan Peningkatan Umkm Oleh Bri Syariah Cabang Kendari. Jurnal Studi Ekonomi Dan Bisnis Islam, Vol 2. Https://Ejournal.Iainkendari.Ac.Id/Index.Php/Lifalah/Article/View/652

Nurdin, A. R. (2018). Kajian Peraturan Perlindungan Konsumen Di Sektor Perbankan. Jurnal Hukum & Pembangunan, 48(2), 299. Https://Doi.Org/10.21143/Jhp.Vol48.No2.1665

Putu Devi Yustisia Utami, I Made Pasek Diantha, & I Made Sarjana. (2018). Kedudukan Hukum Grosse Akta Pengakuan Hutang Notariil Dalam Pemberian Kredit Perbankan. Jurnal Ilmiah Prodi Magister Kenotariatan. Https://Doi.Org/10.24843/Ac.2018.V03.I01.P15

Rusniati, & Warmiyana Zairi Absi. (2020). Penerapan Asas Itikad Baik Dan Asas Kepatutan Dalam Perjanjian Kredit Perbankan. Jurnal Tripantang, Vol 8. Https://Doi.Org/10.51517/Jhtp.V8i1.45

Setiono, G. C. (2018). Jaminan Kebendaan Dalam Proses Perjanjian Kredit Perbankan (Tinjauan Yuridis Terhadap Jaminan Benda Bergerak Tidak Berwujud). Transparansi Hukum, 1(1). Https://Doi.Org/10.30737/Transph.V1i1.159

Syahrul Qiram, & Moh Taufik. (2024). Wanprestasi Dalam Perjanjian Kerja Sama Pemberian Kredit Modal Kerja Antara Pt. Bank Rakyat Indonesia Dan Charles Foek. Jurnal Res Justitia: Jurnal Ilmu Hukum, 4. Https://Www.Resjustitia.Lppmbinabangsa.Id/Index.Php/Home/Article/View/164

Yulia Risa. (2017). Perlindungan Hukum Terhadap Kreditur Atas Wanprestasi Debitur Pada Perjanjian Kredit Dengan Jaminan Hak Tanggungan. Normative Jurnal Ilmiah Hukum, 5. Https://Ojs.Unitas-Pdg.Ac.Id/Index.Php/Normatif/Article/View/230


Refbacks

  • There are currently no refbacks.


Copyright (c) 2024 JUNCTO: Jurnal Ilmiah Hukum

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License.