Prinsip kehati-hatian oleh bank perkreditan rakyat dalam pemberian kredit yang cenderung bermasalah = Prudential principle by rural bank regarding to credit granting that tends to be problematic

El Quswa, Ziela Rofahiyyat (2019) Prinsip kehati-hatian oleh bank perkreditan rakyat dalam pemberian kredit yang cenderung bermasalah = Prudential principle by rural bank regarding to credit granting that tends to be problematic. Masters thesis, Universitas Pelita Harapan.

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Abstract

Latar belakang penelitian ini karena terdapat kelemahan yang secara teknis penting untuk diangkat ke permukaan dalam pembenahan pelaksanaan yang berkaitan dengan pemberian kredit. Penelitian ini bertujuan untuk mengetahui dan menganalisis penerapan prinsip kehati-hatian BPR Dian Faraqo Gemilang Bekasi dalam pemberian kredit dan pelaksanaan prinsip kehati-hatian dalam pemberian tambahan kredit terhadap debitur yang kreditnya cenderung bermasalah. Penelitian ini menggunakan pendekatan yuridis normatif, yaitu membahas tentang pelaksanaan pemberian kredit di BPR Dian Faraqo Gemilang dan pemberian kredit terhadap kredit yang cenderung bermasalah, kemudian menganalisis menggunakan Prinsip 5Cs dan 7P. Sumber data penelitian ini merupakan data primer yang didapatkan dari wawancara dengan BPR Dian Faraqo Gemilang Bekasi dan data sekunder yang merupakan bahan hukum primer berupa peraturan perundang-undangan yang terkait, bahan hukum sekunder dan bahan non-hukum. Pendekatan yang digunakan dalam penelitian ini adalah Pendekatan Undang-undang dan Pendekatan Konseptual. Setelah semua data-data terkumpul, kemudian dianalisis secara kualitatif. Penelitian ini menghasilkan kesimpulan bahwa bank harus selalu waspada dan berhati-hati dalam pemberian kredit dengan menerapkan prinsip kehati-hatian yang didalamnya tercantum prinsip 5Cs dan 7P. Namun pada prakteknya penerapan prinsip kehati-hatian yang dilakukan Bank BPR Dian Faraqo Gemilang masih belum diterapkan secara maksimal. Tidak semua perjanjian kredit berjalan dengan lancar. Hal tersebut karena pihak bank telah mengabaikan salah satu poin dari prinsip kehati-hatian yakni prinsip profitability, yakni kemampuan debitur dalam mencari laba. Sedangkan mengenai tindakan bank dalam memberikan tambahan kredit kepada debitur yang kreditnya cenderung bermasalah, bank telah mengabaikan prinsip kehati-hatian yang dimana terdapat prinsip capacity yaitu kemampuan debitur dalam membayar kreditnya. Kemampuan debitur untuk membayar kreditnya harus dianalisis secara cermat dan teliti, agar tidak mengalami macet hingga berturut-turut. / The background of this research is because there are weaknesses that are technically important to be raised to the surface in revamping the implementation related to credit granting. This research aims to determine and analyze the application of the prudential principle of BPR Dian Faraqo Gemilang Bekasi in credit granting and implementing the prudential principle in granting additional credit to debtors whose tends to be problematic. This research uses a normative juridical approach, which discusses the implementation of lending at BPR Dian Faraqo Gemilang and lending to loans that tend to be problematic, then analyzes using the 5Cs and 7P Principles. The source of data in this research is primary data that obtained from interviews with BPR Dian Faraqo Gemilang Bekasi and secondary data which are primary legal materials in the form of related legislation, secondary legal materials and non-legal materials. The approach used in this research is the Statute Approach and Conceptual Approach. After all the data is collected, then it is analyzed qualitatively. This research concludes that banks must always be vigilant and cautious in credit granting by applying the prudential principle which includes the 5Cs and 7P principles. However, in fact, the implementation of the prudential principle that carried out by BPR Bank Dian Faraqo Gemilang has not been implemented optimally. Not all credit agreements are run smoothly. That is caused because of the bank has ignored one of the point in prudential principle, which is the profitability principle, the ability of the debtor to make a profit. Meanwhile, regarding to the actions of banks in providing additional credit to debtors whose credit tends to be problematic, banks have ignored the prudential principle which is a principle of capacity, means the debtor's ability to pay his credit. this principle must be carefully and strictly analyzed, so it does not make any non performing loans anymore.

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