Penerapan Prinsip Kehati-hatian Pada Perjanjian Kredit Di PT. Bank Perkereditan Rakyat Pulau Punjung Kabupaten Dharmasraya Provinsi Sumatera Barat

Muharammah, Indah Siti (2021) Penerapan Prinsip Kehati-hatian Pada Perjanjian Kredit Di PT. Bank Perkereditan Rakyat Pulau Punjung Kabupaten Dharmasraya Provinsi Sumatera Barat. Other thesis, Universitas Islam Riau.

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Abstract

The principle of prudence as one of the principles in the business activities of banks in Indonesia that must be implemented and implemented by the Bank. This prudent nature requires the bank to always be vigilant and careful in carrying out its business, namely to always be consistent and obedient in implementing the laws and regulations in the banking sector based on professionalism and good faith. The application of the precautionary principle at PT. Punjung Island People's Credit Bank The precautionary principle must be applied by the bank before the credit application is granted. This is intended so that the bank avoids obstacles and negative impacts if the credit appears. The formulation of the problem in this research is how to apply the precautionary principle in credit agreements at PT. Bank Perkereditan Rakyat Pulau Punjung and how are the obstacles in implementing the precautionary principle in credit agreements at PT. Punjung Island People's Credit Bank. This research is classified as an empirical legal research type, namely the author goes down to the field to get some data. Which data is used to obtain a number of information related to this research. From the results of the research, the researchers found that the application of the precautionary principle at PT. Punjung Island People's Credit Bank has not yet been implemented, this can be proven by the large number of customers who do non-performing loans at PT. Punjung Island People's Credit Bank. It can be concluded that the application of the precautionary principle has not been fully implemented and the obstacles in the application of the precautionary principle are the first incomplete submission requirements, the second debtor does not submit a certificate in the name of the debtor itself to the bank, three there is arrears in payment of credit installments which causes non-performing loans.

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