Tinjauan Yuridis Tentang Pelaksanaan Perjanjian Pembiayaan Dengan Jaminan Surat Keputusan Pengangkatan Aparatur Sipil Negara Pada PT. Bank Riau Kepri Syariah (PERSERO) Cabang Pekanbaru

Ferdian, Wan Gilang (2022) Tinjauan Yuridis Tentang Pelaksanaan Perjanjian Pembiayaan Dengan Jaminan Surat Keputusan Pengangkatan Aparatur Sipil Negara Pada PT. Bank Riau Kepri Syariah (PERSERO) Cabang Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Based on Article 3 of the Banking Law, the main function of a bank is to collect and distribute public funds. To support the government program PT. Bank Riau Kepri Syariah (Persero) Pekanbaru Branch distributes consumptive financing funds to ASN, where the Decree on the appointment of ASN as collateral. The basic considerations of PT. Bank Riau Kepri Syariah (Persero) Pekanbaru Branch to provide financing is that the decree on the appointment of ASN is issued by the government agency where the ASN works which of course has no doubt about its legality and integrity as a government institution. The main problem in this study is how the implementation of the financing agreement with the SK guarantee for the appointment of ASN at PT. Bank Riau Kepri Syariah (Persero) Pekanbaru Branch and what are the obstacles in completing financing with a guaranteed SK for the appointment of ASN if the debtor defaults at PT. Bank Riau Kepri Syariah (Persero) Pekanbaru Branch. The research method used is Observational Research by means of a survey, namely interviews and questionnaires as a data collection tool. This research is descriptive analytical, which provides a clear and detailed description of an incident that occurred. From the results of the study, it can be concluded that the implementation of the financing agreement with the guarantee of the SK for the appointment of ASN, which starts from filling out the form / application form for financing by the prospective debtor, the bank conducts research in the field whether it is true as an ASN employee and research on the ability of the prospective debtor to pay off his debts. And ends with the disbursement of financing funds by the bank to the debtor in the amount of a loan ceiling of 60% of the employee's net salary according to the class/rank owned by the debtor. And the obstacles in the settlement of financing with a SK guarantee for the appointment of ASN, namely the debtor commits a crime that results in the temporary suspension of 50% of the salary until a court decision is issued, the debtor is transferred/mutated to another city/province, the debtor retires or retires early and the debtor dies. . For ASN who commit criminal acts of narcotics, corruption, sale of protected animals and ASN who do not enter the office without continuous information, the loan cannot be claimed for insurance. The insurance company will compensate by using a life insurance claim if the debtor dies, then the insurance will automatically pay the debtor's debt directly or in full the next day using life insurance.

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