Authors:

I Gede Adi Gunarsa, Gusti Ayu Arya Prima Dewi

Abstract:

“Penelitian ini bertujuan untuk mengetahui dampak dari kredit bermasalah yang dihadapi oleh nasabah ataupun bank itu sendiri. Studi ini menggunakan metode penelitian normative yang dimana menggunakan jenis pendekatan konseptual (conceptual approach). Hasil studi menunjukkan bahwa kredit bermasalah bukan hanya berdampak buruk bagi bank melainkan juga pada debitur. Kredit bermasalah ini dapat terselesaikan oleh beberapa cara dan apabila kredit bermasalah tetap dilakukan kembali oleh nasabah maka dapat diselesaikan melalui jalur hukum yang ada. Langkah-langkah bank dalam menanggulangi kredit bermasalah ini sesuai dengan Surat Direksi Bank Indonesia Nomor 31/150/KEP/DIR tanggal 12 November 1998 yang mana terbagi menjadi 3 (tiga) hal yaitu rescheduling (penjadwalan kembali), reconditioning (persyaratan kembali), restructuring (penataan kembali). Apabila langkah-langkah tersebut tidak terselesaikan maka pihak bank dapat membawa kasus kredit bermasalah ini malalui jalur hukum. ABSTRACT The purpose of this study is to examine about the impacts of Non Performing Loans faced by customers or the bank it self. This study uses a normative research method with a conceptual approach. The result of this studies show that Non Performing Loans it’s not only has a bad impact on bank but also on debtors. Non Performing Loans are repaid by customers, they can be resolved through existing legal channels. The steps taken by banks in dealing with Non Performing Loan are in accordance with the Letter Of The Board of Directors of Bank Indoneisa Number 31/150/KEP/DIR dated November 12, 1998 which is divided into 3 (three) things, rescheduling, reconditioning, restructuring. If this steps are not completed, the bank can take the problem of Non Performing Loans into the court.”

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PDF:

https://jurnal.harianregional.com/kerthasemaya/full-108218

Published

2023-11-21

How To Cite

GUNARSA, I Gede Adi; PRIMA DEWI, Gusti Ayu Arya. KREDIT BERMASALAH DALAM SKOR KOLEKTIBILITAS 5 DAN DAMPAKNYA BAGI DEBITUR.Kertha Semaya : Journal Ilmu Hukum, [S.l.], v. 12, n. 3, p. 295-311, nov. 2023. ISSN 2303-0569. Available at: https://jurnal.harianregional.com/kerthasemaya/id-108218. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/KS.2024.v12.i03.p03.

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Issue

Vol 12 No 3 (2024)

Section

Articles

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