ANALISIS YURIDIS PROBLEMATIKA PENYELESAIAN KEPAILITAN PADA LEMBAGA PERBANKAN (STUDI MENURUT UU NO. 37 TAHUN 2004 TENTANG KEPAILITAN DAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG)

Muhammad Arif Azarif, NIM.: 19103040061 (2023) ANALISIS YURIDIS PROBLEMATIKA PENYELESAIAN KEPAILITAN PADA LEMBAGA PERBANKAN (STUDI MENURUT UU NO. 37 TAHUN 2004 TENTANG KEPAILITAN DAN PENUNDAAN KEWAJIBAN PEMBAYARAN UTANG). Skripsi thesis, UIN SUNAN KALIJAGA YOGYAKARTA.

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Abstract

Bankruptcy law reform has come a long way. During the Asian monetary crisis, the IMF urged the Indonesian government to improve business law policies, especially those related to bankruptcy law. Therefore, PERPPU No. 1 of 1998 was created which was later passed into Law No. 4 of 1998 concerning Bankruptcy. However, the amendment to the bankruptcy regulation has not been able to answer the existing problems. There are still juridical problems contained in the content material of Law No. 4 of 1998, especially with regard to the bankruptcy of bank institutions. To overcome the existing problems, the government changed the bankruptcy policy contained in Law No. 37 of 2004. However, this provision still contains the same problems, so the authors are interested in examining the juridical problems contained in Law No. 37 of 2004 relating to the bankruptcy of banking institutions. This research is a normative research that is descriptive-analytical. The approach used in this study is a statutory and conceptual approach. The data collection method is carried out through literature review by collecting primary and secondary legal materials which are then analyzed qualitatively. The results showed that there are still legal problems contained in Law No. 37 of 2004 related to the bankruptcy of bank institutions. These juridical issues include simple proof, the sole authority of banking authorities, no regulation of curator requirements that can handle bank insolvency, and related to the concept of insolvency. These problems can hinder the enforcement of bank institution insolvency. Efforts that can be made by the government to overcome the problems of bankruptcy law of bank institutions are by reforming bankruptcy policies and making changes to the provisions of the Banking Law which is positioned as a lex specialist. Then the government must prioritize restructuring efforts in handling debt disputes involving bank debtors. The bankruptcy institution should be applied as an exit policy if restructuring efforts do not produce results

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