Putri, Mauliddha Nadia (2023) Upaya Hukum Bank Dalam Penyelesaian Kredit Macet Atas Pinjaman Fiktif Pada Bank Bri Kantor Cabang Ujung Batu Rokan Hulu. Other thesis, Universitas Islam Riau.

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Abstract

Fictitious credit is the disbursement of credit provided by banks to customers, but using fictitious data, meaning that the bank's internal parties make credit data disbursed not in actual circumstances to a customer, the wider the activity in the banking world, providing opportunities for crimes to commit crimes, one of which is in the distribution of credit which will later pose a risk to the activities of the bank's business activities, and of course cause losses to customers as banking consumers. Risks that can arise from fictitious credit crimes include legal risk, credit risk, operational risk and reputation risk. The main problem in this study is how are the forms of fictitious loans and legal remedies taken by the BRI bank Ujung Batu branch office in overcoming bad loans due to fictitious loans. The type of research used in this research is observational legal research, namely by survey method, while its nature is descriptive, namely research that aims to provide a more precise and concrete picture. Settlement of bad credit on fictitious loans at BRI Bank Ujung Batu Branch Office first stage of amicable settlement, second stage of coaching, third Stage of credit rescue Credit rescue carried out with way of rescheduling (rescheduling), reconditioning (reconditioning) and restructuring (rearrangement), each of which is done individually within a period of 12 (twelve) months. However, the settlement of bad loans does not always run smoothly and there are several obstacles to the Inhibiting Factors for Settlement of Bad Loans on fictitious loans at the BRI Ujung Batu Branch Office faced by the bank is the large number of bank customers who provide data -fictitious data or fake data that makes it difficult for the bank to collect bills.

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