Sari, Yuliana Indah (2023) Penyelesaian Kredit Macet Pada Debitur Yang Menyertakan Jaminan Surat Keputusan (SK) Pegawai Swasta Di Pt Bank Perkreditan Rakyat Unisritama. Masters thesis, Universitas Islam Riau.

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Abstract

The author's interest in settling bad loans to debtors that include guarantees for private employee decrees (SK) at PT Bank Perkreditan Rakyat Unisritama is because guarantees for employee decrees (SK) are not objects that can be traded or transferred, as well as a clause in the credit agreement between PT Bank Percreditan Rakyat Unisritama with the debtor stating "if the debtor cannot repay the debt, then the debtor's movable and/or immovable property can be used as a debt settlement" but in practice it is difficult to implement if the debtor only guarantees an Employee Decree (SK) without being followed additional collateral, this is due to the lack of good faith in the debtor, and the absence of disclosure of information regarding the collateral held by the debtor. The problem that the author raises in this thesis is how to resolve bad loans with the guarantee of a Private Employee Decree (SK) at PT Bank Perkreditan Rakyat Unisritama and what are the obstacles faced by PT Bank Perkreditan Rakyat Unisritama in resolving bad loans with a Guarantee Letter (SK) for Private Employees . Judging from its type, this research is classified into Sociological Law research, namely research conducted by the author directly to the research location to obtain materials, data and information related to this research, while judging from the nature of this research, this research is descriptive analytical in nature, namely providing an overview an incident that occurred clearly and in detail regarding bad credit to the debtor which included a guarantee letter (SK) for private employees at PT Bank Perkreditan Rakyat Unisritama. From the results of the study it can be concluded that the settlement of bad loans with collateral (SK) for private employees at PT Bank Perkreditan Rakyat Unisritama is by first: applying the principle of deliberation and consensus, through credit restructuring, in practice this method is not successful because to be able to apply it requires the good will of debtors, lengthy procedures, and a long time because the 3R feasibility assessment must be carried out first. Second: subpoena, subpoena is given 3 times to the debtor, but subpoena here does not give coercive legal consequences for the debtor, so that if the subpoena is ignored, the creditor cannot force it. Third: a lawsuit to the district court, can be carried out if there is no longer good faith from the debtor. The implementation of the judge's decision is often not carried out by the debtor. However, the creditor continues to make efforts to resolve it by means of intensive routine billing against the debtor, with a nominal value adjusted to the ability of the debtor. Then the obstacles faced by PT BPR Unisritama in resolving bad loans, found a debtor who died, the debtor was fired, and the address of the debtor is unknown. Thus making the solution protracted.

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