PELAKSANAAN PEMBERIAN KREDIT DENGAN JAMINAN SK. PENGANGKATAN PEGAWAI NEGERI SIPIL. (Studi Di Bank Rakyat Indonesia Unit Kasiman Bojonegoro)

YUSTINA, SILVIANA (2007) PELAKSANAAN PEMBERIAN KREDIT DENGAN JAMINAN SK. PENGANGKATAN PEGAWAI NEGERI SIPIL. (Studi Di Bank Rakyat Indonesia Unit Kasiman Bojonegoro). Other thesis, University of Muhammadiyah Malang.

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Abstract

Pursuant To Banking Law of No. 7 Year 1992 which have been altered with Code of No. 10 Year 1998, especial function of banking of Indonesia as accumulator of fund and dealer of fund to society in the form of deposit and channeling it return to society in the form of credit to increase level live society. Salary Public Servant Of Civil ( PNS) prescribed by the regulations, acceptance of the salary do not all PNS can fulfill requirement of its everyday life, therefore PT. BRI ( persero) of Tbk Unit of Kasiman Bojonegoro as one of [the] bank property of government assist PNS by giving easy credit facility and also light condition that is with Decree guarantee. Lifting of Public Servant. Formula internal issue writing of this final assignment is how procedure execution of of credit with guarantee of SK. Lifting of Public Servant in PT. BRI Unit of Kasiman Bojonegoro, how effort of[is solving of conducted by PT. BRI Unit of Kasiman Bojonegoro in the event of wanprestasi. Method which is used in this writing is sosiologis yuridis, that is relied on solution rule of law and regulation going into effect and related to to see realita exist in society. Data the used is primary data through documentation and interview, and also data of secondary through bibliography study. Target of writing of this final duty is to know how effort of[is solving of wanprestasi of credit with Decree guarantee. Lifting of Public servant [in] PT. BRI Unit of Kasiman Bojonegoro. Result of from this research is Execution of credit with Decree guarantee. Lifting of Public Servant in BRI Unit of Kasiman Bojonegoro pursuant to Handbill of No S. 10 - DIR/ADK/04/2007 about Kupedes To Faction have Production to Remain to ( GOLBERTAP) there are conditions and rule which must fulfill and also 7 (seven steps) which must be executed in apply credit by debitor candidate that is for example: registration phase, phase after registration, inspection phase and proposal of Kupedes, decision phase of Kupedes, phase liquefaction of Kupedes, phase payment of liquefaction of Kupedes, and return phase and redemption of Kupedes. To Public Servant which is its salary through BRI Unit of Kasiman Bojonegoro, hence instalment payment of credit by cutting salary collectively by bursar employ from debitor place work per month, and to Receiver of credit which is its salary do not through BRI have to deliver to letter of attorney bank amputation of treasurer statement letter and salary payment of salary to cut and remit each month credit instalment to BRI. Forms of Wanprestasi in giving of credit with Decree guarantee. Lifting of Public Servant in BRI Unit of Kasiman Bojonegoro that is bursar employ which have conducted amputation of salary of debitor ( PNS), amputation of salary which ought to be used to pay credit do not be delivered to bank party, and also the salary bursar have payment during 3 months. Effort of solving of credit have problem which is conducted in BRI Unit of Kasiman Bojonegoro [do] not use order of is solving of credit dispute specified by Indonesia Bank, but BRI Unit of Kasiman Bojonegoro go through other alternative effort by cutting commission accepted by bursar employ each time move over debitor loan. In this case of bank party do not use band punish because of: to bound in honour both institution, requiring the expense of which by dozens, and possibility of bank to be able to win credit case have problem [in] band punish its small opportunity relative. Thereby, from result of this research indicate that in general Bank People Indonesia Unit of Kasiman Bojonegoro have earned strive the solving of credit have problem with guarantee of SK Lifting of Public Servant. Solving of credit [in] Bank People Indonesia Unit of Kasiman have walked better and do not generate difficulty meaning to the Bank party] in strive the solving of wanprestasi. Beside that the existence of possibility of wanprestasi in Bank People Indonesia Unit of Kasiman small Bojonegoro relative, proved in year range of time 2004-2007 Public Servant taking credit with guarantee of SK. Lifting of Officer counted 855 people, and only happened 1 (one) multiply credit have problem which is resulted by]salary bursar which is wanprestasi

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 15 Jun 2012 08:01
Last Modified: 15 Jun 2012 08:01
URI: http://eprints.umm.ac.id/id/eprint/8021

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