Tinjauan Terhadap Surat Edaran Otoritas Jasa Keuangan Nomor 19/Seojk.05/2015 Dan Surat Edaran Otoritas Jasa Keuangan Nomor 47/Seojk.05/2016 Tentang Besaran Uang Muka (Down Payment) Pembiayaan Kendaraan Bermotor Bagi Perusahaan Pembiayaan Dan Akibatnya Bagi Perusahaan Pembiayaan

Atmodjo, Febrisianti (2017) Tinjauan Terhadap Surat Edaran Otoritas Jasa Keuangan Nomor 19/Seojk.05/2015 Dan Surat Edaran Otoritas Jasa Keuangan Nomor 47/Seojk.05/2016 Tentang Besaran Uang Muka (Down Payment) Pembiayaan Kendaraan Bermotor Bagi Perusahaan Pembiayaan Dan Akibatnya Bagi Perusahaan Pembiayaan. S1 thesis, UAJY.

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Abstract

The writing is titled “rescue of bank credit in the face of customer credit card link to non performing loan” aim to find why non performing loan on credit card mechanism need to be saved and whether the rescue of bank credit card that do already comply with Bank Indonesia Regulation Number 14/2/pbi/2012 and Bank Indonesia Circular Letter Number 14/17/DASP. The Research methods is a normative legal research is research that focuses on the positive legal norms in the form of legislation. The result of this study indicate that, in non performing loan on credit card mechanism need to be saved because it would pose a credit risk which could harm the survival of the bank, in fact a rescue loan made by the bank does not comply with the provision in the Bank Indonesia Regulation Number 14/2/pbi/2012 concerning changes of Bank Indonesia Regulation Number 11/2/pbi/2009 Organization Tool Based on Payment Cards and Bank Indonesia Circular Letter Number 14/17/DASP concerning amendments to Bank Indonesia Circular Letter No. 11/10/DASP concerning Organization Tool Payment by Card so that it could result in losses for the Bank and the Customer.

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