Tinjauan Yuridis Tanggung Jawab Hukum Perjanjian Kredit Usaha Rakyat (KUR) Mikro Tanpa Collateral/Agunan (Studi Kasus pada PT. Bank Rakyat Indonesia Unit Cabang Wonogiri)

Queentasari, Siska and , Septarina Budiwati, S.H., CN., M.H (2023) Tinjauan Yuridis Tanggung Jawab Hukum Perjanjian Kredit Usaha Rakyat (KUR) Mikro Tanpa Collateral/Agunan (Studi Kasus pada PT. Bank Rakyat Indonesia Unit Cabang Wonogiri). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

In accordance with the provisions contained in the Minister of Finance Regulation Number 135/PMK.05/2008 concerning the Provision of Business Credit Guarantee Facilities, the government has implemented a credit allocation policy for the micro, small and medium enterprises (MSMEs) in question. such as the People's Business Credit (KUR) program which does not require collateral. The government aims to facilitate the growth of micro, small and medium enterprises (MSMEs) through this guarantee, with the aim of supporting national development efforts to increase economic growth and stability, thereby improving community welfare. This research aims to understand the requirements and procedures for applying for People's Business Credit (KUR) without collateral to alleviate poverty in Indonesia, in this case there is a relationship between laws relating to PT. Bank Rakyat Indonesia and potential debtors, as well as what legal action will be taken if the debtor experiences bad credit or fails to pay. This research uses an empirical legal research methodology characterized by descriptive research techniques. This research utilizes primary and secondary data sources as primary data sources. The data collection methodology used in this research was direct interview observation and literature review. Furthermore, the data analysis strategy used in this research is descriptive data analysis, which only focuses on describing data obtained from interviews conducted with PT banks. Bank Rakyat Indonesia data is then integrated with normative data for the purpose of conducting research. Research findings show that the criteria and protocols for granting Business Credit (KUR) to individuals have met the administrative and legal requirements contained in Article 1320 of the Civil Code, while adhering to the precautionary principle. After all steps are approved by PT. Bank Rakyat Indonesia then signed an agreement between the two parties to settle PT's debt which was due. Bank Rakyat Indonesia has made efforts to comply with the provisions of Coordinating Minister for the Economy Regulation Number 1 of 2023.

Item Type:	Thesis (Skripsi)
Uncontrolled Keywords:	Perjanjian Kredit Usaha Rakyat, Tanpa Collateral, PT. Bank Rakyat Indonesia.
Subjects:	H Social Sciences > HJ Public Finance K Law > K Law (General)
Divisions:	Fakultas Hukum > Hukum
Depositing User:	SISKA QUEENTASARI
Date Deposited:	16 Nov 2023 02:44
Last Modified:	16 Nov 2023 02:44
URI:	http://eprints.ums.ac.id/id/eprint/118263

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