Pemberian Kredit dengan Jaminan Fidusia pada PT Bank Mayapada Internasional Cabang Denpasar pada Masa Covid-19

  • Kadek Della Ayu Saputri
  • I Nyoman Putu Budiartha Fakultas Hukum Universitas Warmadewa
  • Desak Gde Dwi Arini Fakultas Hukum Universitas Warmadewa
Keywords: Credit Fiduciary, Guarantee Covid-19, Settlement of Defaults

Abstract

Fiduciary is one of the efficient guarantees for people who need funds amid the Covid-19 pandemic as is known the impact of this pandemic can be seen in the economic sector in Indonesia Banks are an effective intermediary institution as a channel for funds for productive financing activities which will encourage economic growth itself In this study discusses how PT Bank Mayapada Internasional Denpasar Branch provides policies in the midst of a pandemic like this then regarding the implementation of providing credit with fiduciary guarantees during the Covid-19 period as well as regarding the settlement of defaults related to providing credit with fiduciary guarantees during the Covid-19 period The type of research used is empirical legal research Based on the results of the study it is concluded that the implementation of the provision of credit during this pandemic begins with submitting a restructuring application then conducts analysis such as cash flow latest financial report checking account for the last three months collateral condition debtor s business visit and finally a new agreement is made Then the settlement of default is done by restructuring then mediation and finally by bringing the guarantee to the auction body.

References

Fajar, M., & Dkk. (2010). Dualisme Penelitian Hukum Normatif dan Empiris. Yogyakarta: Pustaka Belajar.

Hariyani, I. (2010). Resi Gudang Sebagai Jaminan Kredit & Alat Perdagangan. Jakarta: Sinar Grafika.

Ikatan Bankir. (2011). Mengelola Kredit Secara Sehat. Jakarta: Gramedia Utama.

Marzuki, P. M. (2017). Penelitian Hukum: Metode Penelitian dan Pencarian Kebenaran. Jakarta: Penerbit Kencana.

Moleong, L. J. (1991). Metode Penelitian Kualitatif. Rosyda Karya: Bandung.

Putri, C. E. D. P., & Pamuncak, A. W. (2021). Analisis Yuridis Pelaksanaan Perjanjian Kredit Dimasa Pandemi Covid 19 (Studi Kasus di Bank BRI Cabang Klaten). Universitas Muhammadiyah Surakarta.

Ridwan, H. A. (1997). Hukum Dalam Tanya Jawab. Jakarta: Gahlia Indonesia.

Salim, H. (2008). Pengantar Hukum Perdata Tertulis (BW). Jakarta: Sinar Grafika.

Sastradinata, D. N., & Muljono, B. E. (2020). Analisis Hukum Relaksasi Kreadit Saat Pandemi Corona Dengan Kelonggaran Kredit Berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 11/POJK.03/2020. Jurnal Sains Sosio Humaniora, 4(2).

Soemartono, G. (2006). Arbitrase dan Mediasi di Indonesia. Jakarta: PT Gramedia.

Syahril, M. A. F. (2021). Implikasi Pandemi Covid-19 Terhadap Pelaksanaan Perjanjian Kredit. OSFPreprints.

Published
2021-03-26
Abstract viewed = 352 times
PDF downloaded = 671 times