PERJANJIAN KREDIT DENGAN JAMINAN FIDUSIA DI KOPERASI PERMATA NIAGA
| Main Author: | SAPUTRA, I GEDE AGUS EKA |
|---|---|
| Format: | Article info Journal |
| Bahasa: | ind |
| Terbitan: |
FAKULTAS HUKUM UNIVERSITAS WARMADEWA
, 2017
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| Online Access: |
http://fh-warmadewa.ac.id/e-jurnal/index.php/LAW/article/view/108 http://fh-warmadewa.ac.id/e-jurnal/index.php/LAW/article/view/108/107 |
Daftar Isi:
- The economic crisis that occurred in Indonesia in 1997 greatly affect economic development as part of a national development that is expected to create and make the people of Indonesia towards a just and prosperous society based on Pancasila and the 1945 Constitution. To achieve these objectives, the greater the perceived need for the availability of funds. One of the institutions that provide the most complete financial services is a banking institution. Financial business conducted in addition to channel funds or grant loans (credit) also make an effort to collect funds from the public in the form of deposits. In granting the credits required collateral for the guarantee is one of the requirements for the granting of the petition on credit demand. Fiduciary security is one of the absolute accesoir couple of credit agreements and not as desired only by the parties. The formulation of the issues raised is How the credit application procedure with fiduciary Cooperative Permata Sari Niaga? and What legal consequences in case of default on a credit agreement with fiduciary Cooperative Permata Sari Niaga? Issues to be discussed will be assessed based on a normative standpoint, In accordance with legal research used is the normative approach to the problem used in this thesis is the approach of legislation and conceptual approaches. Results showed that application procedures credits with fiduciary Cooperative Sari gem of Commerce, among others: Stage Request credit, the data collection phase of operations and review of collateral, the stage of credit analysis, the stage of preparation of credit proposals, the data collection phase complement, phase binding credit and binding guarantees, the stage of loan administration and the opening stage of the facility and / or disbursement of funds as well as a result of the law in case of default on a credit agreement with a fiduciary in the Cooperative Sari gem of Commerce is paying for damages suffered by the creditor (indemnity), cancellation of the agreement, intermediate risk of things make the object of the agreement since non-fulfillment of obligations is the responsibility of the debtor, and pay court costs, if you get sued before a judge. Keywords: Credit Agreements, Fiduciary Guarantee and Default.