Perlindungan Hukum bagi Nasabah Terhadap Risiko dalam Perjanjian Kredit Bank

Dewa Made Natha Dwitama; Anak Agung Sagung Laksmi Dewi; Ni Made Puspasutari Ujianti

doi:10.22225/jkh.4.1.6183.20-27

Dewa Made Natha Dwitama Fakultas Hukum, Universitas Warmadewa, Kota denpasar, Negara Indonesia
Anak Agung Sagung Laksmi Dewi Fakultas Hukum, Universitas Warmadewa, Kota denpasar, Negara Indonesia
Ni Made Puspasutari Ujianti Fakultas Hukum, Universitas Warmadewa, Kota denpasar, Negara Indonesia

DOI: https://doi.org/10.22225/jkh.4.1.6183.20-27

Keywords: Legal Protection, Customer, Risk, Credit Agreement, Bank.

Abstract

Credit provided by banks contains risks so that in its implementation, banks must pay attention to the principles of sound credit. With this in mind, in providing credit, the bank is obliged to conduct an analysis of the debtor's ability to pay its obligations. In addition, banks are also required to review, assess and bind the collateral offered by the debtor, so that the collateral received can meet the requirements of applicable regulations. Banks in the activity of providing funds for credit must be based on a guarantee, which gives confidence to the bank on the debtor's ability to repay the credit in accordance with the agreement, and legal protection efforts for customers against risks in bank credit agreements, are pursued by means outside the court (Non litigation) through arbitration, which is carried out by making an arbitration agreement and through a general court (litigation).

References

Fuady, M. (2005). Pengantar Hukum Bisnis Penata Bisnis Modern Di Era Global. citra Aditya Bahkti.

Harahap, M. Y. (2003). Arbitrase. Sinar Grafika.

Ichsan, A. (1992). Perdagangan Internasional Luar Negeri. Paramita.

Marzuki, P. M. (2005). Penelitian Hukum. Prenada Media.

Mohammad, D. (2000). Hukum Perbanka di Indonesia. Citra Aditya Bhakti.

Ni Made Arini, I Gusti Ngurah Wairocana, I. W. W. (2017). PENYELESAIAN PERMASALAHAN KREDIT TANPA AGUNAN (UMKM) DI DENPASAR. Jurnal Hukum Kenotariatan, 2(1).

R, S. (1981). Arbiter Perdagangan. Bina Cipta.

Rifka Regar, William A. Areros, J. J. R. (2016). Analisis Pemberian Kredit Mikro Terhadap Peningkatan Nasabah Studi Pada Pt. Bank Sulutgo Cabang Manado. J. Urnal Administrasi Bisnis (JAB), 4(4).

Sumilat, R. R. I. (2013). Resiko Dalam Perjanjian Kredit Bank Dalam Kaitannya Dengan Perlindungan Konsumen. Jurnal Hukum UNSRAT, 21(4).

Syafrida. (2020). Alternatif Penyelesaian Sengketa sebagai Solusi Mewujudkan Asas Pemeriksaan Perkara â€œSederhana, Waktu Singkat dan Biaya Murah.â€ Jurnal Sosial Dan Budaya Syar-I, 7(2).