Tinjauan Hukum Pelaksanaan Perjanjian Kredit Pada PT. Bank Sinar Mas Cabang Kampar

Putri, Nazwa Ratna (2022) Tinjauan Hukum Pelaksanaan Perjanjian Kredit Pada PT. Bank Sinar Mas Cabang Kampar. Other thesis, Universitas Islam Riau.

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Abstract

Banks are business entities that play an important role in the economy with the aim of providing services and banks also channel funds from the public, there are requests from loans or credit. In granting credit, the debtor must meet the conditions determined by the bank, where these conditions are written in the credit agreement. The requirements set by the bank are based on article 1320 of the Civil Code. The main problem in this study is how the process of implementing credit agreements at PT. Bank Sinar Mas Branch Kampar Unit, and what are the obstacles found in the credit agreement process at PT. Sinar Mas Kampar Unit Branch and how to solve it. The research method used in this research is research: observational research, which is carried out by means of a survey, namely by direct research to the research location, the data is in the form of interviews. And this research is descriptive, which provides a clear and detailed description of the main problem under study. The process of implementing the credit agreement at PT. Bank Sinar Mas Kampar Unit Branch does not comply with the provisions in the credit agreement, namely the debtor is negligent or in default because the debtor does not pay obligations in accordance with the contents of the credit agreement. The obstacles that occur in the process of implementing the credit agreement where the occurrence of bad loans at PT. Bank Sinar Mas Branch Kampar Unit, due to difficult economic conditions.

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