Fadila, Muhammad Dizan (2025) Analisis Perlindungan Hukum Penyelesaian Kredit Macet Terhadap Pemakaian Kartu Kredit Di Pt.bank Negara Indonesia Kcp Tangkerang Kota Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Loans in the form of credit cards provided by banks are not necessarily given directly but rather through a Credit Agreement which contains an agreement between the Bank as the creditor and the customer/community as the debtor. In extending credit to debtors, banks must be careful in their assessmentof providing credit to avoid the risk of problematic credit. This risk is in the form of the risk of the loan not being collected and receiving the loan being late from schedule, giving rise to bad credit. This happened at PT. Bank Negara Indonesia (BNI) KCP Tangkerang, Pekanbaru City, where the debtor does not fulfill his obligations, so something like this is usually referred to as an act of default. The main problems in this research are what are the factors that cause bad credit on the use of credit cards at PT. Bank Negara Indonesia (BNI) KCP Tangkerang Pekanbaru City and How is the legal protection for resolving bad credit for the use of credit cards at PT. Bank Negara Indonesia (BNI) KCP Tangkerang Pekanbaru City. The research method used is a sociological legal type, namely data collectioniscarriedoutbymeansofinterviewsanddirectobservationinthefield. Using primary data and also secondary data. The research results state: 1) Several factors cause bad credit at PT. Bank Negara Indonesia (BNI) KCP Tangkerang Pekanbaru City includes: a) poor customer character; b) decline in the cardholder's ability to pay; c) errors from credit card issuers who are less selective in issuing credit cards; d) the card holder who dies and his heirs are unable to settle the card holder's obligations or bills; and e) credit card holders are laid off. This can cause quite large losses which can threaten the continuity of the Bank's business asreferred to in Article 1 number (4) of Financial Services Authority Regulation Number 18/POJK.03/2016 concerning the Implementation of Risk Management for Commercial Banks. 2) BNI KCP Tangkerang Pekanbaru City as the credit card issuer ignores the precautionary principle regulated in Article 2 of Law Number 10 of 1998 concerning Banking which actually prioritizes achieving targets so that cardholders always get bad loans at BNI KCP City Pekanbaru. Therefore, to guarantee legal protection, the BNI KCP Tangkerang City of Pekanbaru can provide administrative sanctions, namely by giving a written warning to the card holder, but if the card holder does not pay attention to the warning letter then Bank Negara Indonesia (BNI) KCP Tangkerang City Pekanbaru can resolve this through credit administration settlements, namely Rescheduling, Reconditioning and Restructuring. Or it can take the form of non-litigation and/or litigation settlement.

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