Restrukturisasi kredit sebagai upaya penyelesaian kredit bermasalah

Niken, Valensia (2018) Restrukturisasi kredit sebagai upaya penyelesaian kredit bermasalah. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bqnk occupibs quire an important rore in peopre's rives because ir is cohsidered as the essence of each country,s fnqnciql rystem. Bank is one of the financial institutions Vhose main function is as q fuhd collector and distributor of public funds. Bank actiyities as interuediafies for pqlties, between those who h.rve excessfunds hnd those who lack and needfunds are inseparable as a link Giving credil is the main activiry of bahks that contain fist<s that can offect the health and b siness continuity of the bank. Giving credit is also vulnerable to ,ne occurrence ofa isk such as non_performing loans due to defaults by debrors. To ovelcome thib, bsnks can save credit through credit restructuing. The way to save credit thiough credit restructuring is regutated in Bank Indonesia Regulation Number 14/l]/PBI/2012 concerning Asset euality ofCommercial Bank . The research used juridical nomati)e rcsearch thqt rcfers to the legal norms contqined in the legislation and b) using a legal approach qnd conceptual approach. / Banl menempati peran yang cukup penting dalam kehidupan masyarakat karena dianggap sebagai inti sari dari sistem keuangan setiap negara. Banl( merupakan salah satu lembaga keuangan yang fungsi uramanya adalah sebagai penghimpun dana dan penyalur dana masyarakat. Kegiatan bank sebagai penntara para pihak, anlara yang mempunyai kelebihan dana dengan pihak yang kekuranga! dan memerlukan dalla tidak terpisahkan sebagai sebuah mata rantai. Pemberian kedit merupakan kegiatan utama bank yang mengandung risiko yang dapat berpengaruh pada kes€hatan dan xerangsungan usaha bank. pemberian keditjuga rentan terhadap terjadinya suatu risiko sepedj kredit bermasalah akibat wanprestasi oleh debitur. Untuk mengatasi hal tersebut, ban_k dapat melakukan penyelamatan kredit meialui restruktu sasi kredir. Cara penyelamatan kredit melalui restruktu sasi kredit diatur dalam peraturan Bank Indonesia Nomor l4/l5/PBI/2012 tentang penilaian Kualitas Aset Bank Umum. Jenis penelitian yang dilakukan dalam penelitian ini adalah penelitian yuridis normatif yaitu penelitian yang mengacu kepada norma_norma hukum yang tgrdapat dalam peraturan perundang-undangan dan dengan menggunakan pendekatan perundang-undangan dan pendekatan konseptual.

Item Type: Thesis (Masters)
Creators:
CreatorsNIMEmail
Niken, ValensiaUNSPECIFIEDUNSPECIFIED
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorSihombing, JonkerUNSPECIFIEDUNSPECIFIED
Uncontrolled Keywords: crNditur ; credit restuucturing ; non performing loan
Subjects: K Law > K Law (General)
Divisions: University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Law
Depositing User: Users 15 not found.
Date Deposited: 13 Sep 2019 03:18
Last Modified: 13 Sep 2019 03:18
URI: http://repository.uph.edu/id/eprint/4648

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