Fatih, Farras (2025) Analisis Hukum Terhadap Perjanjian Peminjaman Modal Usaha Dengan Pihak Perbankan Dalam Menghadapi Risiko Bisnis di Pt. Bpr Pekanbaru Madani (perseroda). Other thesis, Universitas Islam Riau.

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Abstract

Significant economic developments in the current era of globalization require business owners to have strong financial management skills in order to manage business risks. Business risks come from the debtor, namely the decline in the debtor's business income due to the lack of effectiveness in managing business risks. Through a business capital loan agreement, the banking party provides capital to business actors to support their operational activities or business development. Not only that, the use of capital from financial institutions is also useful for purposes such as expansion, investment and business capital. This study aims to determine how the implementation of the regional people's business credit agreement is carried out at PT. BPR Pekanbaru Madani (Perseroda), as well as to explain the settlement of defaults in the regional people's business credit agreement and how to resolve them. The approach method used by the author in this study is sociological juridical. The types of data used in this study are primary data and secondary data, data collection techniques are by interview and documentation. According to the results of the study, the implementation of the provision of regional people's business credit experienced obstacles in the middle of its implementation, namely the existence of defaulting debtors caused by several factors, one of which was the decline in the debtor's business income. In resolving defaults on people's business credit, the settlement of defaults did not run perfectly. Due to the absence of good faith from the debtor in the settlement efforts provided by PT. BPR Pekanbaru Madani. One of the efforts made is restructuring. In the restructuring effort, creditors find it difficult to meet debtors in an effort to help debtors complete their obligations. If the credit restructuring steps do not work, then the last step is to conduct a credit collateral auction at the KPKNL or sell it privately with an agreement between the debtor and creditor.

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