Prinsip Kehati-hatian bank dalam meminimalisir risiko kredit melalui akta pengakuan utang yang dibuat secara notariil

Lubis, Miftah Thania (2021) Prinsip Kehati-hatian bank dalam meminimalisir risiko kredit melalui akta pengakuan utang yang dibuat secara notariil. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank merupakan lembaga keuangan tempat menyimpan dana masyarakat dan disalurkan kembali berupa kredit. Bank menggunakan prinsip kehati-hatian dalam memberikan kredit melalui akta pengakuan utang yang dibuat secara notariil. Penelitian ini menggunakan data pendekatan undang-undang dan pendekatan konseptual. Prinsip kehati-hatian bank dalam meminimalisir risiko kredit sesuai yang tertuang dalam Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan dan akibat hukum akta pengakuan utang yang dibuat secara notariil dalam penyelesaian kredit adalah bersifat eksekutorial seperti putusan tetap pengadilan. Kesimpulan penelitian ini usaha bank untuk meminimalisir risiko kredit adalah tentang syarat kredit, analisis kredit dan peninjauan sesuai prinsip kehati-hatian bank dalam Undang-Undang Nomor 10 Tahun 1998 tentang Perbankan agar bank tetap dalam keadaan sehat dan stabil. Kemudian, akibat hukum akta pengakuan utang yang dibuat secara notariil yaitu grosse akta tersebut sebagaimana dalam Pasal 224 HIR/258 RBG bersifat eksekutorial, sama dengan putusan pengadilan./ In providing the credits, the bank utilize Prudential Banking Principle in giving credit to the people through the debt recognition deed that made by being notarized to minimize risk of credit. Prudential Banking Principle that executed by banks in minimizing the risk of credit must be in accordance in Constitution number 10 of 1998 on Banking and legal consequences of notarized debt recognition deed is the original certificate of debt recognition deed is executorial. This research using a legal approach method and conceptual approach method. The conclusion of this research are the efforts that put buy the bank in order to minimize the risk of credit are distinguishing the credit requirements is the bank’s way to minimize the credit risks which how suitable to Prudential Banking Principle in Constitution number 10 of 1998 on Banking to keep the bank sound and steady and legal consequences on a duplicate of original certificate of notarized debt recognition deed, as expressed in the article 224 HIR/258 RBG has the quality as similar as the court judgement.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Lubis, Miftah ThaniaNIM01656190067miftahthania@gmail.com
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerNIDN8838820016jonker.sihombing@uph.edu
Uncontrolled Keywords: prinsip kehati-hatian bank ; akta pengakuan utang yang dibuat secara notariil ; grosse akta
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary
Depositing User: Users 18167 not found.
Date Deposited: 06 Aug 2021 01:59
Last Modified: 15 Sep 2021 02:23
URI: http://repository.uph.edu/id/eprint/41219

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