Pemberian kredit perbankan pada debitur oleh perseroan terbatas bank perkreditan rakyat badan kredit Kecamatan Kudus (Perseroda) Kabupaten Kudus

Prasetio, Elmidita Nan Galuh Megabuti (2023) Pemberian kredit perbankan pada debitur oleh perseroan terbatas bank perkreditan rakyat badan kredit Kecamatan Kudus (Perseroda) Kabupaten Kudus. Masters thesis, Universitas Pelita Harapan.

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Abstract

This research is intended to study and analyze related to the provision of banking loans to debtors in the Kudus District and Kudus Regency. The existence of this financial institution is due to answering challenges related to economic conditions and conditions in rural areas that lack access to capital activities. The Central Java government had an idea and was moved to organize and bring capital closer to the community by establishing credit institutions at the sub-district level. And aims to improve the standard of living and welfare of the community. What is the form and material of the Limited Liability Company of the People's Credit Bank of the Kudus District Credit Agency (Perseroda) of Kudus Regency which is reviewed from the Banking Law and the Civil Code. This research uses qualitative methods with a Normative Juridical approach and is accompanied by interviews. The analytical technique used is qualitative analysis, namely secondary data that is collected and processed for the formulation of conclusions. Lfinancial institutions or commonly referred to as banks, through a series of activities and businesses are carrying out functions and providing problems that can facilitate between capital owners and capital seekers. In carrying out the function of bridging, between the public as users of bank services and the central bank as a supervisory institution, this function can be seen from the function of the bank in realizing credit activities to the community. In prakteknya activities, the provision of me credit has a high risk, which is related to the refund of funds that have been lent to the debitur with the time that has been and has been promised. Theprovision of capital carried out in business development activities or establishing a business is very necessary for thecommunity or banking customers. This provision is regulated and is an obligation imposedin the 1998 Undang-Undang banking on the amendment of Undang-Undang no.7 of 1992 concerning banking that Bank is obliged and necessary to provide and provide information to customers. Credit is one of the most important banking activities, because the largest income from the bank's business comes from the income of credit business activities, namely in the form of provisions and interest. The Limited Liability Company of the People's Credit Bank of the Kudus District Credit Agency (Perseroda) of Kudus Regency not only provides loans, but also provides deposits that will encourage people to have a culture of saving to improve people's living standards. / Penelitian ini ditujukan untuk mengkaji dan menganalisa terkait pemberian kredit perbankan pada debitur di wilayah Kecamatan Kudus dan Kabupaten Kudus. Adanya lembaga keuangan ini dikarenakan untuk menjawab tantangan sehubungan dengan kondisi dan keadaan perekonomian di wilayah pedesaan yang kurang mendapat akses dalam kegiatan permodalan. Pemerintah Jawa Tengah memiliki ide dan tergerak untuk mengadakan dan mendekatkan permodalan pada masyarakat dengan mendirikan lembaga kredit di tingkat kecamatan. Serta bertujuan untuk meningkatkan taraf hidup dan kesejahteraan masyarakat. Bagaimana bentuk dan materi dari Perseroan Terbatas Bank Perkreditan Rakyat Badan Kredit Kecamatan Kudus (Perseroda) Kabupaten Kudus yang ditinjau dari Undang- Undang Perbankan dan KUH Perdata. Penelitian ini menggunakan metode kualitatif dengan pendekatan Yuridis Normatif dan disertai dengan wawancara. Teknik analisa yang digunakan adalah analisis kualitatif yaitu data sekunder yang dikumpulkan dan diolah untuk perumusan kesimpulan. Lembaga keuangan atau yang biasa disebut dengan Bank, melalui rangkaian kegiatan dan usahanya adalah menjalankan fungsi serta memberikan jembatan yang dapat mempermudah antara pemilik modal dan pencari modal. Dalam menjalankan fungsi menjembatani, antara masyarakat sebagai pengguna jasa bank dan bank sentral sebagai lembaga pengawas, maka fungsi tersebut dapat dilihat dari fungsi bank dalam mewujudkan kegiatan pemberian kredit kepada masyarakat. Dalam kegiatan prakteknya, pemberian kredit memiliki resiko yang tinggi, yang berkaitan dengan adanya pengembalian dana yang telah dipinjamkan kepada debitur dengan waktu yang telah dan sudah diperjanjikan. Penyediaan modal yang dilakukan dalam kegiatan pengembangan usaha atau mendirikan usaha sangat diperlukan bagi masyarakat atau nasabah perbankan. Ketentuan itu diatur dan merupakan suatu kewajiban yang tertuang di dalam Undang-Undang perbankan tahun 1998 tentang perubahan Undang-Undang no.7 tahun 1992 tentang perbankan bahwa Bank wajib dan perlu menyediakan serta memberikan informasi kepada nasabah. Kredit menjadi salah satu kegiatan perbankan yang paling utama, karena pendapatan terbesar dari usaha bank berasal dari pendapatan kegiatan usaha kredit, yaitu berupa provisi dan bunga.

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