%A NIM.: 21103040125 Beningindah Edelwies Miftahsalma
%O Dr. Wardatul Fitri, M.H.
%T ANALISIS PERLINDUNGAN HUKUM TERHADAP PELAKU KESENIAN DALAM PINJAMAN KREDIT BANK (STUDI KASUS BANK PERKREDITAN RAKYAT (BPR) BADAN KREDIT KECAMATAN (BKK) JAWA TENGAH KANTOR CABANG WONOGIRI)
%X Legal protection for artists must be provided to ensure their safeguarding and
sense of security so that they can enjoy all the rights granted to them. Although
regulations related to consumer protection exist, in practice, challenges often arise
regarding legal protection for artists as debtors. For example, artists often do not
understand their rights and obligations in a credit agreement. Furthermore, fluctuating
income or changing economic conditions can affect their ability to pay. This research
was conducted by analyzing how the implementation of credit distribution and the
feasibility analysis carried out by the People's Credit Bank of the District Credit
Agency in Central Java in the credit loan scheme proposed by artists.
This research is an empirical legal study of a qualitative nature that focuses on
the presentation of empirically analyzed data. The analysis method of this research is
descriptive analysis, meaning that the data obtained is analyzed qualitatively and
presented descriptively (clearly). The data collection technique in this research was
conducted through interviews with the People's Credit Bank (BPR) and the Sub-
District Credit Agency (BKK) of Central Java, Wonogiri Branch Office.
The results of this study indicate that, first, the implementation of credit
distribution to artists at the People's Credit Bank of the District Credit Agency of
Central Java, Wonogiri Branch, is carried out with an agreement between the artists
and the bank that complies with the elements of the agreement. The bank will analyze
the loan applications by artists based on the 5C Principles, which include the character
of the prospective debtor, capacity to pay, collateral provided, capital owned by the
prospective debtor, and the economic condition of the artists. The application of the
5C Principle and the fulfillment of the elements of the agreement provide certainty and
protection for artists in applying for bank loans. Second, in analyzing the feasibility of
artists as potential debtors, the People's Credit Bank of the Central Java District Credit
Agency Wonogiri Branch will consider the professional track record of the artists,
which will influence the capacity and capital factors of the artists in the credit
application. High-value work contracts established by artists because they are
considered artists. Having sufficient capital and adequate financial capacity to repay
obligations. Consistency in carrying out business activities is one of the indicators of
character that is quite important. Consistency will also affect the ability to fulfill
obligations. In addition, the achievements of artists will provide additional assurance
that they have the capacity to repay the loan. The purpose of the loan provided to
artists will give a character overview in planning their business activities, so the bank
will have confidence in disbursing the loan.
%K Perlindungan Hukum, Kredit Bank, Pelaku Kesenian
%D 2025
%I UIN SUNAN KALIJAGA YOGYAKARTA
%L digilib70756