Waskitharini, Nana D. (2015) Pengaturan dan pelaksanaan penjaminan kredit usaha mikro, kecil dan menengah yang perjanjiannya dibuat secara notariil melalui lembaga penjamin kredit di PT Bank Rakyat Indonesia (persero), TBk. Masters thesis, Universitas Pelita Harapan.
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Abstract
Credit Micro, Small and Medium Enterprises (SMEs) or familiar with the term of Small
Micro Credit (KUR) was intended primarily for decent and productive enterprises, but do not
have enough collateral to requirements of the Banlq especially in PT. Bank BRI (Persero),
Tbk, which to improve the economy and employment. In Indonesia, in order to succeed the
government program, each alternate company engaged in the credit guarantee Institution
(Jamkrindo) as a partner that has a constraint with the problem of credit guarantees. Scheme
financing through SMEs loan which guaranteed by Credit Guarantee Institution there were
related between Bank as creditor / beneficiaries of the insured, the debtor / SME / insured and
Jamkrindo as the Credit Guarantee Institution / Guarantor to realize the Government's
purpose to prosperity of the people in Indonesia especially "impoverished" society through
the realization of the responsilibility Jamkrindo (Credit Guarantee Institution) in case debtor
has not responsible / default and his collateral has not enough to cover the loan. As a result
of a very close linkage, The Government is expected to make regulations especially
authority and responsibilities of Credit Guarantee Institution so it will grow the other
of Credit Guarantee Institutions outside already existing so that the mechanism of
financing through The Banks is becoming maximal and streamlined in the future. / Kredit Usaha Mikro Kecil Menengah (UMKM) atau saat ini familiar dengan
sebutan Kredit Usaha Rakyat (KUR) terutama diperuntukkan bagi usaha layak dan
produktif, namun tidak mempunyai jaminan yang cukup dalam memenuhi
persyaratan Bank khususnya di PT. Bank BRI (Persero), Tbk yang bertujuan dalam
rangka meningkatkan perekonomian dan penyerapan tenaga kerja. Di Indonesia,
dalam rangka mensukseskan progfttm Pemerintah ini terdapat I (satu) alternatif
perusahaan yang bergerak dibidang penjaminan kredit yakni Perum Jamkrindo
sebagai mitra Bank yang memiliki kendala dengan masalah jaminan kredit. Dalam
pola pemberian kredit UMKM melalui Lembaga Jaminan kredit ini terdapat
keterkaitan yang sangat erat antara Bank selaku kreditur / pihak penerima manfaat
pertanggungan, pihak debitur / usaha UMKM i pihak tertanggung dan Perum
Jamkrindo sebagai Lembaga Penjamin Kredit / pihak penanggung yang bertujuan
akhir untuk merealisasikan tujuan Pemerintah guna mensejahterakan masyarakat
Indonesia khususnya masyarakat "bawah" melalui realisasi pemenuhan kewajiban
Perum Jamkrindo sebagai Lembaga Penjamin Kredit dalam hal debitur ingkar janji I
wanprestasi dengan kondisi jaminan kredit debitur tersebut tidak mampu untuk
menutupi seluruh hutang debitur. Akibat dari keterkaitan yang sangat erat ini pada
akhirnya sangat diharapkan peran dari Pemerintah untuk membuat regulasi yang
mengatur secara khusus kewenangan dan tanggung jawab Lembaga Penjamin Kredit
ini sehingga akan semakin tumbuh lembaga lembaga penjamin kredit lainnya diluar
yang sudah ada sehingga mekanisme pembiayaan melalui Perbankan ini menjadi
lebih maksimal dan lancar dimasa yang akan datang.
Item Type: | Thesis (Masters) |
---|---|
Creators: | Creators NIM Email ORCID Waskitharini, Nana D. NIM00000009302 UNSPECIFIED UNSPECIFIED |
Contributors: | Contribution Contributors NIDN/NIDK Email Thesis advisor Sihombing, Jonker NIDN8838820016 UNSPECIFIED |
Additional Information: | T 56-14 WAS p |
Subjects: | K Law > K Law (General) |
Divisions: | University Subject > Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary Current > Faculty/School - UPH Karawaci > Faculty of Law > Master of Notary |
Depositing User: | Phillips Iman Heri Wahyudi |
Date Deposited: | 03 Dec 2020 09:18 |
Last Modified: | 15 Dec 2021 06:13 |
URI: | http://repository.uph.edu/id/eprint/13187 |