Authors:

I Wayan Suantana, Made Gde Subha Karma Resen

Abstract:

“Tujuan dari penelitian ini untuk mengetahui mekanisme pengajuan kredit dan mekanisme penjaminan case by case di PT. Jamkrida Bali Mandara. Tulisan ini menggunakan metode penelitian hukum empiris yang menggunakan fakta-fakta empiris baik yang didapat dari wawancara maupun perilaku nyata yang dilihat secara langsung. Hasil penelitian menunjukkan bahwa UMKM dalam mengajukan permohonan kredit kepada Bank/Lembaga Kauangan (LK), Bank/LK dalam hal ini akan menganalisis kelayakan kredit sesuai dengan prosedur yang ada atau dikenal sebagai prinsip 5C, jika dalam proses analisis dikatakan layak oleh Bank, maka Bank akan mencairkan kredit tersebut, tetapi jika dalam proses analisis pemohon tidak memiliki jaminan, Bank/LK akan mengajukan jaminan kredit di PT. Jamkrida. Mekanisme pengajuan penjaminan Case by Case melalui beberapa proses yang harus dipenuhi. Pertama adanya surat pengajuan permohonan penjaminan dan di dalam permohonan tersebut ada keterangan berapa plafonnya, jangka waktu, dan tujuan kreditnya diperuntukkan untuk apa (tujuan kredit). Kedua dilakukan identifikasi subyeknya, debiturnya dan lebih spesifiknya diperlukan syarat-syarat seperti Kartu Tanda Penduduk (KTP). Ketiga adalah melakukan penilaian terhadap karakter debitur. Kata Kunci: UMKM, Jaminan, Kredit, Jamkrida ABSTRACT The purpose of this study is to examine the mechanism of credit application and the mechanism for guaranteeing case by case at PT. Jamkrida Bali Mandara. This paper uses an empirical legal research method that uses empirical facts obtained from interviews and factual behavior. The results of the study indicate that MSMEs in applying for credit to Banks / Financial Institutions (FI), Banks / FI in this regards will analyze creditworthiness in accordance with existing procedures or known as the 5C principles, if the analysis process is regarded to be feasible by the Bank, then Bank will disburse the credit, but if in the analysis process the applicant have no collateral, the Bank/FI will apply for a credit collateral at PT. Jamkrida. The mechanism for submitting a Case by Case guarantee has to go through several processes. First, there is a letter for submitting an application for guarantee and in the application there is a description of the ceiling, time period, and what the purpose of the credit is for (the purpose of the credit). Second, identification of the subject, the debtor and more specifically, required conditions such as an Identity Card (KTP). The third is to assess the character of the debtor itself Key Words: UMKM, Guarantee, Credit, Jamkrida”

Keywords

UMKM, Jaminan, Kredit, Jamkrida ABSTRACT The purpose of this study is to examine the mechanism of credit application and the mechanism for guaranteeing case by case at PT. Jamkrida Bali Mandara. This paper uses an empirical legal research method that uses empirical facts obtained from interviews and factual behavior. The results of the study indicate that MSMEs in applying for credit to Banks / Financial Institutions (FI), Banks / FI in this regards will analyze creditworthiness in accordance with existing procedures or known as the 5C principles, if the analysis process is regarded to be feasible by the Bank, then Bank will disburse the credit, but if in the analysis process the applicant have no collateral, the Bank/FI will apply for a credit collateral at PT. Jamkrida. The mechanism for submitting a Case by Case guarantee has to go through several processes. First, there is a letter for submitting an application for guarantee and in the application there is a description of the ceiling, time period, and what the purpose of the credit is for (the purpose of the credit). Second, identification of the subject, the debtor and more specifically, required conditions such as an Identity Card (KTP). The third is to assess the character of the debtor itself Key Words: UMKM, Guarantee, Credit, Jamkrida

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PDF:

https://jurnal.harianregional.com/kerthawicara/full-71761

Published

2022-04-21

How To Cite

SUANTANA, I Wayan; RESEN, Made Gde Subha Karma. COVER RISIKO DEBITUR UMKM PADA PT. JAMKRIDA BALI MANDARA.Kertha Wicara : Journal Ilmu Hukum, [S.l.], v. 11, n. 2, p. 244-255, apr. 2022. ISSN 2303-0550. Available at: https://jurnal.harianregional.com/kerthawicara/id-71761. Date accessed: 08 Jul. 2024. doi:https://doi.org/10.24843/KW.2022.v11.i02.p3.

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Issue

Vol 11 No 2 (2022)

Section

Articles

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