Penerapan klausul cross default dalam perjanjian kredit bank yang dibuat secara notariil dikaitkan dengan asas kebebasan berkontrak

Jonathan, Jonathan (2016) Penerapan klausul cross default dalam perjanjian kredit bank yang dibuat secara notariil dikaitkan dengan asas kebebasan berkontrak. Masters thesis, Universitas Pelita Harapan.

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Abstract

Bank credit agreement is a standard agreement that had been prepared by the bank. The credit agreement contains various kinds of clauses that aim to protect the interests of banks as creditors. One of the clauses often used by banks is cross default clause. Cross default clause is a provision whereby the debtor who has several debt obligations, default on one debt default provisions that automatically applies to all debt held by the debtor. The use of such clauses is not without problems. The problem that often arises with the use of this clause is how the relations between the application of cross default clause with efforts to reduce credit risk and how the relations between the application of cross default under the bank credit agreement with the principle of freedom of contract This legal research using normative legal research with law approach and conceptual approach, namely by looking at the application of the cross default clause in the Law number 10 of 1998 on Banking. The conclusion from this study is the application of cross default clause is one way banks as creditors to reduce bad loans. The credit agreement with a cross default clause born and developed based on the principle of freedom of contract can constitute a variation of the agreement, including cross default is a natural and still recognized by law. With the development of economy, it is necessary also the legal tools to protect the economic transactions that were previously not regulated under existing law. / Perjanjian kredit bank merupakan perjanjian baku yang sudah disiapkan oleh bank. Perjanjian kredit tersebut berisikan berbagai macam klausul yang bertujuan untuk melindungi kepentingan bank selaku kreditor. Salah satu klausul yang sering digunakan oleh bank yaitu klausul cross default. Klausul cross default adalah ketentuan dimana debitur yang memiliki beberapa kewajiban utang, default pada salah satu utang yang otomatis berlaku ketentuan default pada semua utang yang dimiliki oleh si debitur tersebut. Penggunaan klausul-klausul tersebut bukanlah tanpa masalah. Masalah yang sering muncul dengan adanya penggunaan klausul tersebut yaitu bagaimana hubungan penerapan klausul cross default dengan upaya mengurangi resiko kredit dan bagaimana hubungan penerapan cross default dalam perjanjian kredit bank dengan asas kebebasan berkontrak. Penelitian hukum ini menggunakan penelitian hukum normatif dengan pendekatan Undang-undang dan pendekatan konseptual, yaitu dengan melihat penerapan klausul cross default dalam Undang-Undang nomor 10 tahun 1998 tentang Perbankan. Kesimpulan dari penelitian ini yaitu penerapan klausul cross default merupakan salah satu cara bank selaku kreditor untuk mengurangi kredit macet. Perjanjian kredit dengan klausul cross default lahir dan berkembang berdasarkan asas kebebasan berkontrak sehingga terciptalah variasi perjanjian, termasuk cross default merupakan suatu yang wajar dan tetap diakui oleh hukum. Dengan perkembangan ekonomi, diperlukan juga adanya perangkat hukum yang dapat melindungi transaksi ekonomi yang sebelumnya belum diatur dalam hukum yang ada.

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