UPAYA HUKUM YANG DILAKUKAN BANK APABILA PEMEGANG KARTU KREDIT WANPRESTASI (Studi Di Bank Niaga Malang)

MUKTI RAHAYU, INDAH (2009) UPAYA HUKUM YANG DILAKUKAN BANK APABILA PEMEGANG KARTU KREDIT WANPRESTASI (Studi Di Bank Niaga Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

Credit card is a facility given by Bank to make consumer easier in consumption needs fulfilling. In this, Bank often faced problems where the credit card holder did violation in promises and didn’t fulfill their obligation to pay the Bank. The writer here interested in researching law efforts which was done by Niaga Bank of Malang as one of Credit Card issuer in case where Credit Card holder violating promises. In this research, the writer tried to reveal engagement law aspect in credit card and law effort of Niaga Bank of Malang when the customer violating promises. In this research, the writer used socio-juridical approach. The research was done in Niaga Bank of Malang with sources consisted of interview, observation, and documentation. For data conclusion, the writer used descriptive qualitative analysis. Treaty which was done by customer and Niaga Bank of Malang fit with section 1338 verse (1) Civil Law and President Decision No.6 / 1988 about Financial Institution through Credit Card submission to Niaga Bank of Malang. Law efforts which was done by Niaga Bank of Malang were: (1) when the customer was late in doing payment of credit card for three months, Niaga Bank of Malang sent first reminder through Niaga Bank of Malang’s debt collector; (2) after the first reminder, the customer still didn’t fulfill their obligation, Niaga Bank of Malang doing blocking to the credit card and pressing a claim to the customer; After the sixth month there still no intention from the customer to do payment of credit card account, Niaga Bank of Malang made accusation to the State of Court; (4) Niaga Bank of Malang did the conclusion of Malang State of Court based on credit treaty between Niaga Bank of Malang and the customer. Here the writer gave suggestion to Niaga Bank to conclude the violating promises problem in effective way through conflict resolution method. For the customer, they should pay attention to the limit of Credit Card to avoid violating promises.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Anggit Aldila
Date Deposited: 18 Jun 2012 07:52
Last Modified: 18 Jun 2012 07:52
URI: http://eprints.umm.ac.id/id/eprint/8392

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