KEDUDUKAN SURAT KEPUTUSAN PENGANGKATAN PEGAWAI NEGERI SIPIL SEBAGAI JAMINAN DALAM PERJANJIAN KREDIT (STUDI PADA PT BPR BANK BANTUL)

Anditya Fadli, NIM.: 17103040036 (2021) KEDUDUKAN SURAT KEPUTUSAN PENGANGKATAN PEGAWAI NEGERI SIPIL SEBAGAI JAMINAN DALAM PERJANJIAN KREDIT (STUDI PADA PT BPR BANK BANTUL). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

The Decree of the Appointment of Civil Servants (SK PNS) is considered precious for the owner. Therefore the bank provides credit facilities with the guarantee of the SK PNS even though it is not an object that can be executed if the debtor defaults. This resulted in obstacles for banks to obtain repayment of the remaining debt of the debtor. The purpose of this study is to explain and analyze: (1) the position of the SK PNS as collateral in the credit agreement (2) the responsibilities of the SK PNS if the debtor is in default. This type of research is empirical juridical and carried out by field research. The nature of the research is analytical descriptive, while the approach used is a statutory approach and a case approach. Data collection techniques were carried out by interviews and literature studies, and data analysis using qualitative descriptive. The results of the study conclude that: First, the use of SK PNS as collateral in credit agreements is based on the trust obtained from the results of bank analysis through the Account Officer (AO) and is not bound by any guarantee institution. The analysis is guided by the Bank's Credit and Financing Policy (KPB), supported by applying prudential principles and the principle of knowing customers. In the Bantul Bank credit agreement, the SK PNS and the TASPEN Card, Salary, and Savings are the primary collateral. At the same time, the obligation to bind special material guarantees depends on the amount of loan submitted. Second, based on the data of Debtor Information (IDEB) and Financial Information Services System (SLIK), the occurrence of defaults on credit without special collateral binding is not an obstacle because it can be ensured that the debtor's assets are sufficient to pay off the rest of the debt. The responsibility of the SK PNS was seen when Bank Bantul needed it as a condition for submitting to the TASPEN office so that debtors' retirement savings could be used as a source of debt repayment.

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