Efendi, M Derta Yudha (2023) Penyelesaian Kredit Macet Dalam Perjanjian Kredit Dengan Jaminan Buku Kepemilikan Kendaraan Bermotor (bpkb) Pada Pt. Smart Finance Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

This thesis is entitled Settlement of Bad Credit in Credit Agreements With Fiduciary Guarantee at PT. Bank Mandiri (Persero) Tbk. Pekanbaru. Economic development in Indonesia is increasing rapidly, thus the need for funds are increasing, and banks as one of the financial institutions are ready to provide credit to anyone who needs it. Banks in providing credit will be careful and through in-depth analysis of the debtor's ability to repay debt. However, credit provided by banks does not always run smoothly. sometimes bad credit occurs. Settlement of bad credit is not always possible well resolved. Based on that, the writer is interested in studying the solution bad credit in a credit agreement with a fiduciary guarantee at PT. Mandiri Bank (Persero) Tbk. Pekanbaru. The problem in this study is what factors cause credit jammed at PT. Bank Mandiri ( Persero ) Tbk. Pekanbaru, what is the form of settlement carried out by PT. Bank Mandiri (Persero) Tbk. Pekanbaru in the event of bad credit in a credit agreement with a fiduciary guarantee, and how the guarantee execution process is fiduciary in the settlement of bad credit. The research method used in this research is legal research empirical by using primary data and secondary data. As for the location in this research is PT. Bank Mandiri (Persero) Tbk. Pekanbaru which is located at Jalan Jenderal Sudirman No. 140 Pekanbaru. And the purpose of this research is to find out the settlement of bad loans in credit agreements with fiduciary guarantees on PT. Bank Mandiri (Persero) Tbk. Pekanbaru. Furthermore, the results of research that the authors get in the field of factors that causing bad credit at PT. Bank Mandiri (Persero) Tbk. Pekanbaru comes from the bank and also the debtor, namely there is an error in data verification, wrong investment, declining debtor business conditions, and the presence of credit masks. Form settlement by PT. Bank Mandiri (Persero) Tbk. Pekanbaru when it happens Bad credit is through restructuring, giving subpoenas/reprimands, billing with advertising or mass media, as well as direct billing. The form of the solution given by Bank Mandiri varies greatly, depending on the extent to which the debtor is experiencing difficulties payment. If the solution can not run as supposedly then the bank will take the last way, namely by doing execution of fiduciary guarantees. And the process of executing fiduciary guarantees at PT. Bank Mandiri (Persero) Tbk. Pekanbaru refers to Article 29 Paragraph 1 Letter C of the Law No. 42 of 1999 concerning fiduciary guarantees, namely underhand sales. Underhand sales are carried out based on an agreement between the debtor and the bank.

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