PEMBERIAN KREDIT MODAL KERJA INDUSTRI DENGAN JAMINAN FIDUSIA(Studi pada PT. BANK JATIM Cabang Malang)

FATMAWATI, RIZKA (2010) PEMBERIAN KREDIT MODAL KERJA INDUSTRI DENGAN JAMINAN FIDUSIA(Studi pada PT. BANK JATIM Cabang Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

The subjects in this research is PT. Bank Jatim Branch Malang, while the object of study working capital credit insurance industry with fiduciary. According to the Fiduciary Law Section 1 paragraph (2) The object of the fiduciary Assurance is moving objects, while also not moving objects that can not be encumbered by a mortgage under Act No. 4 of 1996 on Mortgage. On condition that it be owned and transferred. In the banking practices in Indonesia, apparently on fiduciary institution in great demand by the public with the reasons for the secured objects still in the hands of the borrower, so that goods can still be used by debtors to continue and expand its business. In the industrial working capital loans, fiduciary Assurance agencies are always used in the binding guarantee in the form of goods items to be financed by loans, but in some cases, if there is a dispute, the value of the collateral is not in accordance with the loan to be paid. Under these conditions, formulated the problem is: how is the procedure and application of the principles of industrial working capital loans by the Bank of East Java to the debtor with the fiduciary Assurance. Second is how the provisions and the efforts of PT Bank Branch Malang in East Java where the goods were pledged industry suffered depreciation in value. The method used in this research is a sociological juridical approach, whereas the data source used by the writer in the form of primary data and secondary data analysis, then the author using a qualitative descriptive method, that is a way of research that produces descriptive data analysis. Based on the research and discussion, we can conclude: that the exercise of fiduciary assurance in Bank in Malang, East Java Branch has consistently run through the system Fiduciary and provisions of Law No.42 year 1999 as a formal reference that is used in addressing the dispute to the depreciation of the value and efforts completion. Where in case of depreciation of value and not fiduciary goods redeemed by customers, then the parties biasaya Bank Malang East Java Branch will notify the debtor to the auction process and then follow the steps or procedures as has been agreed between the creditors and the debtor in the articles of the agreement fiduciary who created and provided by the creditor in this case is the Bank Branch of Malang in East Java that has been tied to a perfect credit mortgage by mortgage / fiduciary (for goods beragerak), was approved by the owner of the collateral to be auctioned through the office of the state auction / auction house private

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 13 Apr 2012 03:10
Last Modified: 13 Apr 2012 03:10
URI: http://eprints.umm.ac.id/id/eprint/2143

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