Perlindungan Hukum Terhadap Pihak Bank Dalam Perjanjian Kredit Dengan Jaminan SK Pengangkatan PNS Pada Bank Riau Kepri Cabang Daik Kabupaten Lingga Kepulauan Riau

Syafitri, Melliana (2022) Perlindungan Hukum Terhadap Pihak Bank Dalam Perjanjian Kredit Dengan Jaminan SK Pengangkatan PNS Pada Bank Riau Kepri Cabang Daik Kabupaten Lingga Kepulauan Riau. Other thesis, Universitas Islam Riau.

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Abstract

The basic consideration on the part of Bank Riau Kepri, Daik Branch, Lingga Regency, Riau Islands, to provide credit to customers is that the Decree on the Appointment of Civil Servants is issued by the government agency where the Civil Servant works, which of course has no doubt about its legality and integrity as a government institution. However, this does not guarantee that a customer does not default. In this study, based on the background that has been explained, the formulation of the problem is how to implement a credit agreement with a guarantee of a Decree on the Appointment of Civil Servants at Bank Riau Kepri Daik Branch, Lingga Regency, Riau Islands and how is legal protection for the bank and the settlement if there is a credit problem with the guarantee of the Decree on the Appointment of Civil Servants at Bank Riau Kepri Daik Branch, Lingga Regency, Riau Islands. This study uses an empirical legal approach. This method is carried out to obtain the truth in the discussion of existing problems and to see the application of a rule of law in society. The analysis was carried out descriptively which will describe, explain how the implementation of the credit agreement with the guarantee of a Decree on the Appointment of Civil Servants at Bank Riau Kepri Daik Branch, Lingga Regency, Riau Islands. Implementation of Credit Guaranteed by a Decree on the Appointment of Civil Servants who are in default will be resolved by first holding a discussion with the debtor or customer to fulfill the element of good faith, if it has not been responded to, it will be pursued by legal means, namely through the judiciary. Bank Indonesia has issued protections for banks, including Bank Indonesia Regulation Number 3/10/PBI/2001 which has been amended by Bank Indonesia Regulation Number 3/23/PBI/2001 concerning the Implementation of Know Your Customer Principles. The bank as the creditor can demand or withdraw the funds that have been given if the debtor's condition is not in accordance with the agreement.

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