Prinsip Kehati-Hatian Dalam Menganalisis Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan

Mulyati, Etty; Dwiputri, Fajrina Aprilianti

doi:10.24198/acta.v1i2.112

Cited by 17 publications

(20 citation statements)

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“…This is because the principle of prudence is the main principle that underlies all banking activities(Abubakar, 2018). In the case of banks being lenders, the principle of prudence is the belief in the ability and capability of customers as an important preventive factor in controlling credit risk by banks in providing credit against credit misuse by debtors which results in the default of debtors (Mulyati & Dwiputri, 2018).…”

Section: B Discussionmentioning

confidence: 99%

Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Saragih

Abubakar

Handayani

2021

JKH

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The application of licenses based on commitments as a part of ease of doing business has shifted the obligations present for business actors. One of the forms of said change is the absence of an obligation to conduct EIAs as a basic requirement to acquire a business license. This could boost investment within Indonesia, on the other hand, it also has the potential to prompt legal risks that is the revocation of business licenses towards actors that had failed to fulfill business license commitments under GR OSS. This provision impacts the application of the principle of sustainable financing. With the requirement of EIAs as a fulfillment towards the commitments that are prerequisite of business licenses in the OSS GR, banks gain the challenge of adjusting their approach towards the gaining of profits from long term investments depends on a sustainable future, specifically in the administering of credits by banks. the article aims to analyze the legal implications of changing regulation upon EIAs requirement on the ease of business licensing in licenses based on commitments though Online Single Submission towards the application of the principle of sustainable financing and the juridical consequences of the use of licenses based on commitments in the approval of bank credit. This research uses a normative juridical approach specifying in the descriptive analysis of primary and secondary sources of law. The identification the changed regulation upon EIAs requirement on the ease of business licensing in licenses based on commitments though Online Single Submission has legal consequences on the applications of sustainable financing principle. Sustainable principle pushed out the alteration of the approach of banks in the initiation of sustainable economic development with the gaining of profits from long term investments dependant on future sustainable policy frameworks. Bank must take that approach is through policy frameworks that support sustainable economic development by crystallizing EIAs as a tool for credit breaking

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Section: B Discussionmentioning

confidence: 99%

Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Saragih

Abubakar

Handayani

2021

JKH

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“…Bank dengan semakin besar dalam menyalurkan kredit, akan dihadapkan pada kemunginan terjadinya risiko kredit bermasalah. Untuk itu dalam menyalurkan kredit, bank dituntut untuk berpegangan pada prinsip kehati-hatian (Mulyati dan Dwiputri, 2018…”

Section: Pendahuluanunclassified

Analisis Kredit Bermasalah Dilihat Dari Standar Non Performing Loan (Npl) Pada Pt. Bank Mandiri (Persero) TBK

Kurniati

Nurhayati

2020

Inovator

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<p class="15bIsiAbstractBInggris">This study aims to examine how much Non Performing Loans at PT. Bank Mandiri (Persero) Tbk registered on the Stock Exchange for the 2014-2018 period. This research method uses descriptive methods including NPL analysis and hypothesis testing using significance test (t test). The results of the study stated that "Non Performing Loans (NPLs) at PT. Bank Mandiri (Persero) Tbk less than 5% than expected ", thus the banks must suppress the Non Performing Loan (NPL) to below 5% according to the health standard Non Performing Loan (NPL) ratio, with the level of Non Performing ratio Loans (NPL) that are low (less than 5%) are categorized as good banks and will also have an effect on increasing bank earnings, and in lending, banks are required to exercise caution because these credit facilities are high risk which can affect the business continuity of PT. Bank Mandiri (Persero) Tbk.</p>

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“…Bank akan selalu dihadapkan pada risiko, ketika menyalurkan kredit. Sehingga bank dalam usahanya, termasuk dalam penyaluran kredit harus tetap berpegang pada prinsip kehatian-hatian (prudential principle) dalam upaya memitigasi risiko (Handayani, 2016), (Abubakar & Handayani, 2017) (Mulyati & Dwiputri, 2018), (Handayani & Abubakar, 2018) (Angraeni & Nasution, 2019).…”

Section: Pendahuluanunclassified

“…Kredit secara umum merupakan pinjaman dalam bentuk uang dan/atau bentuk lainnya yang diberikan melalui persetujuan, dengan jangka waktu dan bunga. Prinsip Kehati-hatian diterapkan oleh bank dengan cara mematuhi ketentuan perundang-undangan yang berlaku baik secara kelembagaan maupun produk (Handayani, 2016;Abubakar & Handayani, 2017;Mulyati & Dwiputri, 2018).…”

Section: Hasil Dan Pembahasanunclassified

Tanggung Jawab Agen Kredit Sindikasi dalam Hal Debitur Wanprestasi

2020

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This study aims to determine the position of the agent in a syndicated loan agreement, and the agent's responsibility when the debtor experiences an achievement. This research is a normative juridical research which is a procedure to find the truth based on scientific logic from the normative side. The approach in this research is legislation and conceptual approach. The results showed that the agent's relationship with the creditors was the power relationship with the power of attorney. If a dispute arises between the agent and the parties in the syndicated loan agreement, the settlement is based on the provision of power of attorney in the syndicated credit document. The responsibility of the agent is divided into two, namely the agent who also participates in the syndication participant, and the agent outside the syndicated loan participant. Agents who are also creditors in syndicated loans, if debtors default, then the agent is responsible. The responsibility of the syndicated loan agent outside the syndicated loan participant is only as a liaison between the creditor and the debtor. The role of agents is limited in accordance with what is written in the agreed agreement document Abstraks Penelitian ini bertujuan untuk mengetahui posisi agen dalam perjanjian kredit sindikasi, dan tanggung jawab agen ketika debitur mengalami wanprestasi. Penelitian ini merupakan penelitian yuridis normatif yang merupakan prosedur untuk menemukan kebenaran berdasarkan logika ilmiah dari sisi normatif. Pendekatan dalam penelitian ini adalah perundang-undangan dan pendekatan konseptual. Hasil penelitian menunjukkan hubungan agen dengan para kreditur adalah hubungan kuasa dengan pemberi kuasa. Jika timbul sengketa antara agen dengan para pihak di perjanjian kredit sindikasi, maka penyelesaiannya berlandaskan pada ketentuan pemberian kuasa dalam dokumen kredit sindikasi. Tanggung jawab agen terbagi menjadi dua, yaitu agen yang juga ikut sebagai peserta sindikasi, dan agen diluar peserta kredit sindikasi. Agen yang juga merupakan kreditur dalam kredit sindikasi, apabila debitur wanprestasi maka agen ikut bertanggung jawab. Tanggung jawab agen kredit sindikasi diluar peserta kredit sindikasi hanya sebagai penghubung antara kreditur dan debitur. Peranan agen bersifat terbatas sesuai dengan yang tertulis dalam dokumen perjanjian yang telah disepakati.

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Prinsip Kehati-Hatian Dalam Menganalisis Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan

Cited by 17 publications

References 0 publications

Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Implementing Sustainable Finance Principles: Legal Implications of Ease of Doing Business Towards Banking Credit Approval

Analisis Kredit Bermasalah Dilihat Dari Standar Non Performing Loan (Npl) Pada Pt. Bank Mandiri (Persero) TBK

Tanggung Jawab Agen Kredit Sindikasi dalam Hal Debitur Wanprestasi

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