TINJAUAN PRINSIP KEHATI-HATIAN BANK DALAM PERJANJIAN KREDIT TANPA AGUNAN

Indroko, Stefanus Satrio (2025) TINJAUAN PRINSIP KEHATI-HATIAN BANK DALAM PERJANJIAN KREDIT TANPA AGUNAN. S1 thesis, UNIVERSITAS ATMA JAYA YOGYAKARTA.

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Abstract

This study aims to analyze the juridical review of the prudential principles of banks in unsecured credit agreements in commercial bank. Unsecured credit is a product that offers loans without requiring physical collateral, thus potentially increasing the risk of bad credit. Therefore, the formulation of this research problem is how the form of the bank's prudential principles in an unsecured credit agreement. The method used in this research is a normative approach, with data collection through document analysis. The results show that the application of the prudential principle goes through several steps, namely by conducting a thorough analysis of the character and ability of the debtor and verifying accurate data. Nevertheless, there are still challenges in its implementation. This study concludes that the Bank's prudential principles can be realized in an unsecured credit agreement through the (5C) (Character), (Capital), (Capacity), (Collateral), (Condition of Economic) assessment of prospective customers with document analysis, interviews and inclusion of pay slips. This is done so that the Bank has confidence based on in- depth analysis of the ability and ability of debtor customers to repay their debts for the realization of the Bank's prudential principles.

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