Tinjauan Pelaksanaan Prinsip Asuransi Dan Penyelesaian Klaim Atas Kredit Macet (Studi Tentang Asuransi Kredit Di PP. Asuransi Bangun Askrida Surakarta)

Shananda, Putri Diasti and , Inayah, S.H, M.H (2018) Tinjauan Pelaksanaan Prinsip Asuransi Dan Penyelesaian Klaim Atas Kredit Macet (Studi Tentang Asuransi Kredit Di PP. Asuransi Bangun Askrida Surakarta). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

The purpose of this study are Determine the Principles of Insurance in the Implementation of Credit Loan Insurance Agreements at PT. Asuransi Bangun Askrida, Know the Causes of Bad Credit Loan in Credit Insurance, Knowing the Settlement of Bad Credit Loan through Insurance Mechanism at PT. Asuransi Bangun Askrida. The approach method used in this study is an empirical juridical approach. Research specifications in the writing of this law are descriptive analytical. The type of data used is primary and secondary data. While the method of data analysis is using qualitative normative analysis, which is a discussion conducted by means of research that connects data obtained from resource persons and data in the form of credit insurance agreements between banks and insurance companies as well as relevant laws and regulations to draw conclusions. The results of the study concluded that: 1) In the implementation of credit insurance, Askrida cooperates with Bank Jateng with the signing of a Memorandum of Understanding (MOU) stating that Askrida as Insurer is obliged to protect Bank Jateng as the Insured in dealing with the risks of bad credit that may be experienced by Bank Jateng. This credit insurance functions to cover the customer's remaining credit if the customer is no longer able to repay his credit. Bank Jateng requires credit insurance for every prospective debtor who will take credit loan. This is done to minimize the loss experienced if the debtor can no longer pay the loan installments due to termination of employment (PHK) or the death of the debtor and if that happens then Askrida is obliged to replace the losses experienced by Bank Jateng in accordance with the remaining amount principal loan that has not been paid plus interest for 1 (one) month; 2) In the implementation of credit insurance there are generally several risks that need to get insurance protection, namely the risk of death, the risk of old age, the risk of accidents or illness and the risk of unemployment or no income; 3) In order to minimize the risk of bad credit loan, there are 2 types of preventive measures, namely from the Bank Jateng that selects prospective borrowers must carry out the 5C principle of Capability, Collectibility, Conditions, Character and Collateral. As well as the requirements of Askrida to attach a Medical Certificate and set a premium according to the age of the debtor to measure the ability of the prospective debtor in completing credit loan. Keywords: Credit Insurance

Item Type:	Karya ilmiah (Skripsi)
Uncontrolled Keywords:	Asuransi Kredit
Subjects:	K Law > K Law (General) K Law > KZ Law of Nations
Divisions:	Fakultas Hukum > Hukum
Depositing User:	PUTRI DIASTI SHANANDA
Date Deposited:	12 Oct 2018 11:07
Last Modified:	12 Oct 2018 11:07
URI:	http://eprints.ums.ac.id/id/eprint/67424

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