Kepastian hukum pengalihan portofolio kredit dari PT Bank Raya Indonesia (persero), TBK. ke PT Bank Rakyat Indonesia (persero), TBK.

Sari, Kurnia Sukma (2022) Kepastian hukum pengalihan portofolio kredit dari PT Bank Raya Indonesia (persero), TBK. ke PT Bank Rakyat Indonesia (persero), TBK. Masters thesis, Universitas Pelita Harapan.

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Abstract

PT BRI (Persero), Tbk (Bank BRI) dan PT Bank Rakyat Indonesia Agroniaga (Persero), Tbk (Bank Agro) secara bersama-sama bermaksud untuk merumuskan transformasi usaha guna kelangsungan bisnis Bank Agro yang sebelumnya bergerak di bidang bank umum konvensional berubah menjadi bank digital. Dengan adanya transformasi usaha menjadi bank digital tersebut Bank Agro melakukan perubahan nama menjadi Bank Raya Indonesia, Tbk (Bank Raya). Perumusan Transformasi Usaha ini memiliki beberapa aksi korporasi yang mengakibatkan perlunya dilakukan pengalihan dan/atau takeover beberapa aset (kredit) Bank Raya kepada Bank BRI. Mengingat Bank BRI merupakan induk perusahaan atau pemegang saham pengendali dari Bank Raya maka Bank BRI harus memastikan bahwa pengambilan keputusan untuk melakukan Transformasi Usaha ini harus dilakukan dengan prinsip kehati-hatian dan dengan dasar itikad baik dalam penerapan good business judgment rule terhadap anak usahanya dan tidak didasarkan pada kepentingan pribadi, serta memastikan bahwa tidak terdapat potensi benturan kepentingan sebagaimana diatur dalam POJK 42/2020. Penelitian ini akan membahas tentang adanya pengalihan portofolio kredit dari PT Bank Raya Indonesia (Persero), Tbk kepada PT BRI (Persero), Tbk. Penelitian ini merupakan penelitian dengan jenis penelitian normatif empiris dengan pendekatan Statute Approach dan metode analisis deduktif analisis. Dari hasil penelitian ini dapat diketahui bahwa sarana untuk pengalihan kredit yang paling relevan dan dapat dilaksanakan dalam rangka pengalihan kredit dari anak perusahaan (Bank Raya kepada induk perusahaan (Bank BRI) adalah adalah dengan novasi dan subrogasi. Namun mengingat dalam mekanisme Novasi memiliki konsekuensi hapusnya perjanjian pokok sehingga perjanjian pengikatan jaminan akan hapus dan harus dilakukan roya pasang sehingga mengakibatkan adanya biaya yang akan dikenakan kepada debitur, maka metode pengalihan kredit yang relevan menurut penulis adalah mekanisme Subrogasi karena tidak menyebabkan hapusnya perjanjian yang lama. Dengan adanya pengalihan kredit tersebut memberikan akibat hukum yakni beralihnya seluruh hak-hak yang dimiliki Bank Raya karena adanya pelunasan/pembayaran atas hutang Debitur Bank Raya dari Bank BRI. / PT BRI (Persero), Tbk (Bank BRI) and PT Bank Rakyat Indonesia Agroniaga (Persero), Tbk (Bank Agro) jointly intend to formulate a business transformation for the continuity of Bank Agro's business which was previously engaged in conventional commercial banking to change to digital bank. With the transformation of the business into a digital bank, Bank Agro changed its name to Bank Raya Indonesia, Tbk (Bank Raya). The formulation of this Business Transformation has several corporate actions which resulted in the need to transfer and/or take over several Bank Raya assets (credit) to Bank BRI. Considering that Bank BRI is the holding company or controlling shareholder of Bank Raya, Bank BRI must ensure that the decision making to carry out this Business Transformation must be made on the basis of prudence and on the basis of good faith in applying the good business judgment rule to its subsidiaries and not based on personal interests, and ensuring that there is no potential conflict of interest as stipulated in POJK 42/2020. This research will discuss the transfer of the credit portfolio from PT Bank Raya Indonesia (Persero), Tbk to PT BRI (Persero), Tbk. This research is a type of empirical normative research with the Statute Approach approach and deductive analytical methods. From the results of this study it can be seen that the most relevant and feasible means for transferring credit from a subsidiary (Bank Raya to the parent company (Bank BRI)) is through novation and subrogation. However, considering that the Novation mechanism has the consequence of the cancellation of the agreement principal so that the collateral binding agreement will be erased and must be carried out roya tide resulting in fees to be charged to the debtor, then the relevant credit transfer method according to the author is the subrogation mechanism because it does not cause the abolition of the old agreement. the transfer of all rights owned by Bank Raya due to the settlement/payment of debts of Bank Raya Debtors from Bank BRI.

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