PELAKSANAAN PERJANJIAN KREDIT MIKRO DENGAN JAMINAN UMUM PADA PT. BANK MANDIRI (PERSERO) TBK CABANG SUMENEP

  • Mohammad Anwar Prodi Hukum Fakultas Hukum, Universitas Wiraraja
  • Bambang Hermanto Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Wiraraja, Madura
Keywords: Agreement, Micro Credit, Bank Mandiri

Abstract

The collapse of this sector will be able to cause a big shock to the state of the national economy. In accordance with article 8 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning banking which states that in providing credit or financing based on Sharia principles, commercial banks are required to have confidence based on in-depth analysis of the intentions and abilities and abilities of debtor customers. to pay off the debt or return the financing as promised and commercial banks are required to have and apply credit and financing guidelines based on Sharia principles, in accordance with the provisions stipulated by Bank Indonesia. The process of granting micro credit to PT. Bank Mandiri (Persero) Tbk. Sumenep Branch, the Bank must conduct an in-depth analysis of the prospective debtor on the debtor's ability/ability to repay all his debts in accordance with the agreed terms. In the implementation of micro credit agreements with general guarantees, where the debtor must pay installments of principal and interest in accordance with what was agreed with the Bank and maintain / protect the goods that have been guaranteed for the sake of smooth credit that has been given by the Bank to the debtor. Rescue efforts and settlement methods in the event of bad credit, the Bank must reschedule (rescheduling), reconditioning and restructuring. Because the amount of credit given is small, the settlement through KP2LN or the District Court does not need to be done. It is enough to take a family approach, allow for extension of credit repayment period, and perform write-offs (establishment of allowance for earning assets write-off).

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Peraturan Perundang-Undangan
Kitab Undang-Undang Hukum Perdata
Undang-undang Nomor 10 Tahun 1998 Tentang Perubahan Undang-undang Nomor 7 Tahun 1992 Tentang Perbankan
Undang-undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia
Undang-undang Nomor 49 tahun 1960 tentang Panitia Urusan Piutang Negara
Undang-Undang Nomor 4 Tahun 1996 tentang Hak Tanggungan Atas Tanah
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Surat Edaran No. 013/KRD/CMB.SML/2004 tanggal 16 Juli 2004 perihal BPR Proyek Kredit Mikro (PKM) Mandiri
Surat Edaran Bank Indonesia No. 26/4/BPPP/1993 tanggal 29 Mei 1993
Surat Keputusan Bank Indonesia No. 31/148/KEP/DIR/1998
Published
2022-06-30
Section
Articles
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