Penyelesaian Wanprestasi Terhadap Perjanjian Kredit (Studi Kasus di BPR Gajah Mungkur Wonogiri)

Rahmawati, Nur Fadhilah and , Dr. Shallman Alfarzy S.H.,S.E.,MM.,M.Kn (2021) Penyelesaian Wanprestasi Terhadap Perjanjian Kredit (Studi Kasus di BPR Gajah Mungkur Wonogiri). Skripsi thesis, Universitas Muhammadiyah Surakarta.

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Abstract

Credit has now been widely used by the community as a way out to get financing. Credit can be obtained either at commercial banks or rural credit banks (BPR). Not infrequently credit agreements have many risks, one of which is non-perfomance of contract. This study aims to determine the process of implementing a credit agreement at BPR Gajah Mungkur Wonogiri and its resolution in the event of a risk. The research method that the writer uses is descriptive research with a normative approach. The results showed that the credit agreement process at BPR Gajah Mungkur went through several processes, namely filling out a credit application form, checking initial requirements, analyzing creditworthiness, approval from the leadership and after it was approved, both parties signed. After signing the contract, the bank will then disburse the loan through an account that has been registered by the debtor at BPR Gajah Mungkur. Then related to the settlement of non-performance of contract at BPR Gajah Mungkur, which begins with an approach to the debtor then the bank will offer efforts that can be made, namely rescheduling, re-conditioning or realignment. If the debtor does not show good faith, the RB will send warnings 1 to 3, when warning 3 the debtor does not fulfill its obligations, the bank will execute the mortgage by auctioning the mortgage, which had previously sent a notification letter to the debtor. The mortgage auction was conducted by the Surakarta State Property and Auction Service Office (KPKNL).

Item Type:	Karya ilmiah (Skripsi)
Uncontrolled Keywords:	bpr, non-performance of contract (default), credit agreement
Subjects:	K Law > K Law (General)
Divisions:	Fakultas Hukum > Hukum
Depositing User:	NUR FADHILAH RAHMAWATI
Date Deposited:	19 Aug 2021 03:43
Last Modified:	19 Aug 2021 03:43
URI:	http://eprints.ums.ac.id/id/eprint/93712

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