Penerapan prinsip kehati-hatian dalam rangka pemberian kredit kepada perusahaan pembiayaan (studi kasus putusan pn niaga Jakarta Pusat Nomor.160/Pdt.Sus/PKPU/2017/PN Niaga Jkt.Pst)

Denny, Denny (2019) Penerapan prinsip kehati-hatian dalam rangka pemberian kredit kepada perusahaan pembiayaan (studi kasus putusan pn niaga Jakarta Pusat Nomor.160/Pdt.Sus/PKPU/2017/PN Niaga Jkt.Pst). Masters thesis, Universitas Pelita Harapan.

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Abstract

Prinsip Kehati-hatian (Prudent Banking Principle) adalah suatu asas yang menyatakan bahwa bank dalam menjalankan fungsi dan kegiatan usahanya wajib bersikap hati-hati (prudent) dalam rangka melindungi dana masyarakat yang dipercayakan kepadanya. Pengaturan prinsip kehati-hatian perbankan dalam implementasinya secara eksplisit diatur dalam Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan, dan Peraturan Otoritas Jasa Keuangan Nomor 32/POJK.03/2018 Tentang Batas Maksimum Pemberian Kredit Dan Penyediaan Dana Besar Bagi Bank Umum, serta POJK Nomor 42/POJK.03/2017 Tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan Perkreditan Atau Pembiayaan Bank Bagi Bank Umum. Pengaturan ini dimaksudkan agar bank dalam memberikan kredit wajib menempuh cara-cara yang tidak merugikan kepentingan bank dan kepentingan nasabah yang mempercayakan dananya. Untuk melihat efektivitas pelaksanaan peraturan perundang-undangan tersebut, diperlukan penelitian mengenai pengaturan prinsip kehati-hatian yang diatur dalam perundang-undangan. Dalam Penelitian ini, pengumpulan data dilakukan dengan pendekatan yuridis normatif (normative legal research) dengan pedekatan perundang-undangan (statute approach), dan melakukan studi kasus (Kepailitan terhadap PT.Arjuna Finance). Dari hasil penelitian tersebut dapat disimpulkan bahwa PT.Bank Sampoerna dan PT.Bank Harda International, Tbk tidak melaksanakan prinsip kehati-hatian dengan paripurna dalam memberikan kredit kepada PT.Arjuna Finance.Sehingga, mengakibatkan kredit macet yang berujung pada penyelesaian kredit secara hukum. / The Prudent Banking Principle is a principle stating that banks in carrying out their business functions and activities must be prudent in order to protect public funds entrusted to them. The regulation of prudential banking principles implementation is explicitly regulated in Act Number 10 of 1998 About Banking, and Regulation of the Financial Services Authority Number 32 / POJK.03 / 2018 About the Maximum Lending Limit and Provision of Large Funds for Commercial Banks, and POJK Number 42 / POJK.03 / 2017 About Obligations for the Compilation and Implementation of Bank Credit or Financing Policies for Commercial Banks. This arrangement is intended that banks in providing loans are required to take ways that do not harm the interests of the bank and the interests of customer who entrust their funds. To see the effectiveness of the implementation, research is needed regarding the regulation of the prudent principles that regulated in the legislation. In this study, data collection was carried out using a normative juridical approach (normative legal research) with a statutory approach, and by conducted a case study (Bankruptcy of PT. Arjuna Finance). From these results of the study can be concluded that PT. Bank Sampoerna and PT. Bank Harda International, Tbk did not apply the prudent principle perfectly in giving credit to PT. Arjuna Finance. Thus, resulting in bad credit which results in legal credit settlement.

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