Tinjauan Terhadap Wanprestasi Debitur Pada Pelaksanaan Perjanjian Kredit Tanpa Jaminan Dan Penyelesaian Di Bank BNI KC Dumai

Silaban, Sri Hutami (2022) Tinjauan Terhadap Wanprestasi Debitur Pada Pelaksanaan Perjanjian Kredit Tanpa Jaminan Dan Penyelesaian Di Bank BNI KC Dumai. Other thesis, Universitas Islam Riau.

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Abstract

The provision of Unsecured Credit Facilities which is a product of banking aims to assist the community in their loan needs. This is very helpful to the community for those who want to have founds have without having to apply for collacteral. However, the reality on the ground is different from what happened. The debtor reneges on his obligations in the unsecured credit agreement. Which seems to make an unsecured credit facility can be done intentionally or unintentionally. The main problem in this research is how to implent unsecured credit at Bank BNI KC Dumai and how to resolve unsecured debtors who wahe defaulted at Bank BNI KC Dumai. The research method used in this research is observational research, namely by means of surveys, research carried out directly in the field to collect data in the form of questionnaires and interviews that are directly related to the law and expert opinions as well as the basis of existing agreements. The nature of this research is descriptive, namely research that aims to provide a systematic presentation of fact in the field, so that it is easy to understand and conclude, namely regarding default of unsecured debtors with Bank BNI KC Dumai. From the results of the study, it can be concluded that before the implementation of the unsecured credit agreement before the signing, the parties should explain in detail and detail to the debtor regarding the provisions in the unsecured credit agreement. To avoid the occurrence of default, banks must survey prosprective debtors carefully and also take approaches and supervision in the customers efforts to avoid the occurrence of defaults can be avoided. With the settlement of unsecured credit debtor defaults, it is in accordance with applicable legal provisions. The settlement process for unsecured credit debtor defaults carried out by Bank BNI Dumai Branch Office is by giving a warning to the debtor via SMS short message to pay the installments, ifnot heeded the Bank will issue a warning letter 3 times to the debtor, then the Bank will invite the debtor to ini good faith in a family deliberation settlement of unsecured credit defaults. If the debtor also does not have good faith, Bank BNI Dumai Branch Office will bring it to the Dumai District Court to be processed in a Simple Lawsuit.

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