PERLINDUNGAN HUKUM BAGI KREDITUR YANG MEMBERIKAN KREDIT TANPA AGUNAN SELAMA PANDEMI COVID-19

CAHYA ASRI KUMARANINGTYAS, NIM. 18103040112 (2022) PERLINDUNGAN HUKUM BAGI KREDITUR YANG MEMBERIKAN KREDIT TANPA AGUNAN SELAMA PANDEMI COVID-19. Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

Preview	Text (PERLINDUNGAN HUKUM BAGI KREDITUR YANG MEMBERIKAN KREDIT TANPA AGUNAN SELAMA PANDEMI COVID-19) 18103040112_BAB-I_IV-atau-V_DAFTAR-PUSTAKA.pdf - Published Version Download (2MB) | Preview
	Text (PERLINDUNGAN HUKUM BAGI KREDITUR YANG MEMBERIKAN KREDIT TANPA AGUNAN SELAMA PANDEMI COVID-19) 18103040112_BAB-II_sampai_SEBELUM-BAB-TERAKHIR.pdf - Published Version Restricted to Registered users only Download (4MB)

Abstract

The Covid-19 pandemic causes rapid transmission of the virus. The government enforces the policy of Large-Scale Social Restrictions (PSBB). PSBB causes economic downturn in Small, Micro, and Medium Enterprises (MSMEs). President Jokowi created a program that aims to deal with the economic downturn of MSMEs by providing People's Business Credit (KUR). KUR as financing for business needs for working capital or the use of fixed capital such as production equipment, buildings, and machinery. However, in reality there are MSME owners who take KUR experiencing bad credit. This causes losses for creditors, namely the Bank. Losses to the bank cause operational problems for the bank which will be hampered. So, it is studied more deeply regarding legal protection for creditors who provide credit without collateral during the Covid-19 pandemic at the BNI Temon unit, and creditor policies taken during non-performing loans during the Covid-19 pandemic, namely the handling carried out by Bank BNI Temon units. This research uses the type of field research at Bank BNI Temon unit. The research approach is juridical-empirical. The nature of the research is descriptive analytical, namely describing and analyzing the results of research at Bank BNI Temon unit. Conducting interview research techniques and literature study examining books, legislation, and data in the form of library materials. This research is descriptive qualitative by describing the results of interviews with social theory and reality. The results of this study are regarding legal protection for creditors who provide loans without collateral during the Covid-19 pandemic at the BNI Temon. Legal protection for non-collateralized non-performing loans occurred during the Covid-19 pandemic at the BNI Temon unit in providing KUR additional guarantees as a moral obligation. The last option is claiming credit that is already insured, but minimized. Optimization for MSME owners to pay KUR is highly optimized to prevent a decline in the reputation of Bank BNI Temon in the service of providing KUR facilities.

Share this knowledge with your friends :

Actions (login required)

View Item