TINJAUAN YURIDIS TERHADAP KEDUDUKAN PENJAMIN PERORANGAN (BORGTOCHT) DALAM PENYELESAIAN KREDIT MACET DI PT. BANK PERKREDITAN RAKYAT DATA SEMARANG

Authors

  • Sabrina Zahara Noor Rahma Universitas Diponegoro
  • Siti Mahmudah Universitas Diponegoro

DOI:

https://doi.org/10.30997/jill.v16i2.12703

Keywords:

Bank, Default Credit, Personal Guarantee

Abstract

The aim of this research is to analyze and examine individual guarantees guaranteed by debtors to creditors (Banks) in credit agreements. The approach method used in this research is normative juridical, with research specifications in descriptive analytical form. The results of the research show that individual guarantee arrangements are regulated in the Civil Code. An individual guarantee is a third party that guarantees all of the debtor's obligations to the creditor, if the debtor defaults. The position of individual guarantees at BPR DATA is an additional (accessory) that accompanies the main agreement. Credit with individual guarantees at BPR DATA is unsecured credit or KTA with a monthly salary payment system through the treasurer/finance department with guarantee/approval from the head of the company/institution. A debt guarantor in this case has the position that he is bound and responsible to the bank for all debts of the debtor. For every credit with individual guarantees, a guarantee agreement will be made privately, in the guarantee agreement the guarantor has special rights. As in BPR DATA, as the leader who guarantees the credit of its employees, in its implementation, if there is a default, the salary, social security, or insurance is deducted as credit repayment.

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References

Buku:

Fuady, Munir. 2003. Hukum Perkreditan Kontemporer. Bandung: PT. Citra Aditya Bakti.

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Sofwan, Sri Soedawi Masjchoen. Liberty Offset Yogyakarta. Hukum Jaminan Di Indonesia Pokok-Pokok Hukum Jaminan Dan Jaminan Perorangan. Yogyakarta: 1980.

Jurnal:

AntiNari, dkk. 2022. “Analisis Hukum Tentang Penanggungan Utang (Borgtocht) Dalam Pemberian Kredit Di Bank Bukopin”. Journal Of Law, 20 (2). 150-156.

Hariwijaya, I Gusti Ngurah Bagus Denny, I Nyoman Putu Budiarta, and I Ketut Widia. 2020. "Perjanjian Kredit Bank Dengan Jaminan Borgtocht (Perorangan)." Jurnal Konstruksi Hukum 1 (2): 340-345.

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Sari, Anak Agung Intan Wulan, Ida Bagus Putra Atmadja, dan Anak Agung Sagung Wiratni Darmadi. 2015. "Pelaksanaan Perjanjian Kredit Jaminan Perorangan Terkait Debitur Wanprestasi Pada Bank Perkreditan Rakyat." Kertha Semaya 3 (1): 1-15.

William, G., Victor. 2019. “Akta Borgtocht Dalam Perjanjian Kredit. Jurnal Media Hukum dan Peradilan”. 20 (2). 50-61.

Undang-Undang:

Kitab Undang-Undang Hukum Perdata.

Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan.

POJK Nomor 33/POJK.03/2018 tentang Kualitas Aset Produktif dan Pembentukan Penyisihan Penghapusan Aset Produktif Bank Perkreditan Rakyat.

Peraturan Bank Indonesia Nomor : 11/25/PBI/2009 tentang Perubahan Atas Peraturan Bank Indonesia Nomor 5/8/PBI/2003 tentang Penerapan Manajemen Resiko Bagi Bank Umum.

Karya Ilmiah:

Gunarti, Retno. 2008. “Perjanjian Penanggungan (Borgtocht) Sebagai Salah Satu Bentuk Pengikatan Jaminan Kredit Bank Pada Kantor Pusat PT Bank Ralyat Indonesia (Persero) Tbk”. Tesis, Universitas Diponegoro.

Sabela, Ferry. 2008. “Analisis Eksekusi Jaminan Pribadi (Personal Guarantee) Sebagai Jaminan Kredit Bank (Studi Kasus Putusan PN JAK.SEL NO.580/PDT.G/2002 dan Putusan PT.DKI JAKARTA NO. 3J22/PDT/2003)”. Tesis, Universitas Indonesia.

Interview:

Teguh, wawancara oleh Sabrina Zahara. 2023. Jaminan Perorangan (Januari).

Dokumen Lain:

Semarang, BPR Data. 2022. Pedoman Kebijakan Perkreditan BPR DATA.

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Published

2024-07-31

How to Cite

Sabrina Zahara Noor Rahma, & Siti Mahmudah. (2024). TINJAUAN YURIDIS TERHADAP KEDUDUKAN PENJAMIN PERORANGAN (BORGTOCHT) DALAM PENYELESAIAN KREDIT MACET DI PT. BANK PERKREDITAN RAKYAT DATA SEMARANG. JURNAL ILMIAH LIVING LAW, 16(2), 119–133. https://doi.org/10.30997/jill.v16i2.12703

Issue

Vol. 16 No. 2 (2024): Jurnal Ilmiah Living Law

Section

Articles

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