Kusuma, Adhitya Sakti Bagus (2021) Kepastian hukum restrukturisasi kredit yang dibuat dengan perjanjian kredit secara di bawah tangan. Masters thesis, Universitas Pelita Harapan.
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Abstract
Dalam industri perbankan, kredit merupakan salah satu sumber utama bisnis dari suatu bank dimana fungsi dasar dari suatu bank adalah menghimpun dana dari masyarakat dan menyalurkannya dalam bentuk kredit kepada khalayak umum yang sesuai dengan kriteria yang telah bank tentukan. Di dalam perjalanannya suatu kredit bisa saja terjadi perubahan karena berbagai hal, seperti karena penurunan omset usaha yang tentu saja berpengaruh langsung terhadap cashflow atau keuangan nasabah yang tentu saja bermuara kepada kemampuan membayar kembali kewajiban nasabah di bank yang pasti akan berkurang atau menurun. Maka dari itu bank melakukan langkah-langkah dalam rangka penyehatan atau penyelamatan kredit yaitu salah satunya dengan cara restrukturisasi kredit. Restrukturisasi kredit ini adalah tindakan yang dilakukan bank untuk bisa membantu nasabah yang sedang mengalami kesulitan dalam pembayaran kewajiban ke bank. Oleh karenanya masalah dalam penelitian ini adalah terkait perjanjian restrukturisasi kredit yang dibuat dengan akta di bawah tangan. Dalam penelitian ini pengumpulan data dilakukan dengan metode yuridis normatif melalui data sekunder, penelitian ini mengkaji pengertian dari restrukturisasi kredit serta akibat hukum atas dilakukannya perjanjian restrukturisasi kredit di bawah tangan / In the banking industry, credit is one of the main sources of business from a bank where the basic function of a bank is to collect funds from the public and distribute them in the form of credit to the general public in accordance with the criteria set by the bank. In the course of a loan, changes may occur due to various things, such as a decrease in business turnover which of course has a direct impact on cash flow or customer finances which of course leads to the ability to repay customer obligations at the Bank which will inevitably decrease or decrease. Therefore, the Bank takes steps in the context of restructuring or saving credit, one of which is credit restructuring. This credit restructuring is an action taken by the Bank to be able to help customers who are experiencing difficulties in paying their obligations to the Bank. Therefore, the problem in this research is related to the Credit Restructuring Agreement which was made with a private deed. In this study, data collection was carried out using normative juridical methods through secondary data, this study examined the meaning of credit restructuring and the legal consequences of underhanded credit restructuring agreements.
Item Type: | Thesis (Masters) | ||||||||
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Uncontrolled Keywords: | restrukturisasi kredit; perjanjian ; perbankan | ||||||||
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 |
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Depositing User: | Users 3983 not found. | ||||||||
Date Deposited: | 09 Feb 2022 04:38 | ||||||||
Last Modified: | 12 Mar 2022 04:23 | ||||||||
URI: | http://repository.uph.edu/id/eprint/45707 |
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