UPAYA PENCEGAHAN KREDIT MACET DITINJAU DARI PRINSIP KEHATI-HATIAN

Angela, Mutiara (2023) UPAYA PENCEGAHAN KREDIT MACET DITINJAU DARI PRINSIP KEHATI-HATIAN. S1 thesis, Universitas Atma Jaya Yogyakarta.

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Abstract

Article 2 and Article 8 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking stipulate that Indonesian Banking must apply the prudential relationship in conducting its business. The relationship of prudence is realized when banks carry out standard operational procedures as banks have the authority to make standard operational procedures based on the Financial Services Authority Regulation Number 18/POJK.03/2016 concerning Implementation of Risk Management for Commercial Banks Article 2In providing credit or financing, Commercial Banks must have confidence based on in-depth analysis or the intention and ability of the Debtor Customer to pay off his debt or return the said financing in accordance with what was agreed. However, in practice, banks often experience Non Perfoming Loan and are unable to obtain their rights. The formulation of the problem is what is juridical factor that prevent banks from getting what they are entitled to from the perspective of the prudential relationship? Author use normative legal research method in this study. Result of this study is that bank based on the case didn’t apply prudential relationship and standart operational procedure inadequate as stipulated on legislations that regulate bank is conducting their business must apply the prudential relationship.

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