Authors:

I NYOMAN OCTA ADIJAYA, Ni Putu Purwanti

Abstract:

“Tujuan studi ini untuk mengkaji tentang pengaturan deposito sebagai jaminan kredit dan mengkaji tentang perlindungan terhadap kreditur dalam hal debitur wanprestasi. Studi ini menggunakan metode penelitian hukum normatif dengan menggunakan Pendekatan Perundang-Undangan dan Pendekatan Konsep. Hasil studi menunjukkan bahwa pengaturan deposito sebagai jaminan kredit belum diatur secara jelas dalam UU Perbankan, tetapi pengaturannya baru diatur dalam bentuk Peraturan Bank Indoneisa Tahun 2012 dan perlindungan hukum terhadap kreditur dapat diperoleh melalui Surat Kuasa Blokir Deposito dengan tujuannya agar debitur tidak sesuka hati melakukan pencairan deposito sewaktu-waktu padahal kredit itu belum lunas dan melalui Surat Kuasa Pencairan Deposito tujuannya agar kreditur sewaktu-waktu dapat mencairkan deposito jika debitur wanprestasi. Kata Kunci: Pengaturan Kredit, Jaminan Deposito, Debitur Wanprestasi Abstract The purpose of this study is to examine the arrangement of deposits as credit guarantees and to examine the protection of creditors in terms of defaulting debtors. This study uses normative legal research methods using the Legislative Approach and Concept Approach. The study results show that the regulation of deposits as credit guarantees has not been clearly regulated in the Banking Law, but the regulation is only regulated in the form of the 2012 Indonesian Bank Regulation and legal protection for creditors can be obtained through a Power of Attorney Block Time Deposit with the aim that debtors do not disburse deposits at will. from time to time even though the credit has not been paid off and through the Power of Attorney for Disbursement of Deposits the goal is that the creditor at any time can withdraw the deposit if the debtor is in default. Keywords: Credit Arrangement, Deposit Guarantee, Debtor Defaults”

Keywords

Pengaturan Kredit, Jaminan Deposito, Debitur Wanprestasi Abstract The purpose of this study is to examine the arrangement of deposits as credit guarantees and to examine the protection of creditors in terms of defaulting debtors. This study uses normative legal research methods using the Legislative Approach and Concept Approach. The study results show that the regulation of deposits as credit guarantees has not been clearly regulated in the Banking Law, but the regulation is only regulated in the form of the 2012 Indonesian Bank Regulation and legal protection for creditors can be obtained through a Power of Attorney Block Time Deposit with the aim that debtors do not disburse deposits at will. from time to time even though the credit has not been paid off and through the Power of Attorney for Disbursement of Deposits the goal is that the creditor at any time can withdraw the deposit if the debtor is in default. Keywords: Credit Arrangement, Deposit Guarantee, Debtor Defaults

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PDF:

https://jurnal.harianregional.com/kerthadesa/full-63613

Published

2020-04-30

How To Cite

ADIJAYA, I NYOMAN OCTA; PURWANTI, Ni Putu. DEPOSITO SEBAGAI JAMINAN KREDIT DALAM HUKUM PERBANKAN.Kertha Desa, [S.l.], v. 8, n. 5, p. 34-40, apr. 2020. Available at: https://jurnal.harianregional.com/kerthadesa/id-63613. Date accessed: 28 Aug. 2025.

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Issue

Vol 8 No 5 (2020)

Section

Articles

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