Abstract
This study aimed to analyze legal protection for debtors who experienced losses due to the credit agreement which was different from the offering letter. The credit agreement was a principal agreement that governed the rights and responsibilities between creditors and debtors. This study was a normative juridical study, which was then analyzed using descriptive qualitative methods. The search results showed that the bank includes a standard clause in the credit agreement deed, which was different from the offering letter. The existence of these standard clauses violated applicable regulations and prejudiced the debtor. There was legal protection both preventive and repressive provided by laws and regulations for protecting debtors from losses due to standard clauses that were not in the offering letter.
Highlights
due to the credit agreement which was different from the offering letter
The search results showed that the bank includes a standard clause in the credit agreement deed
repressive provided by laws and regulations for protecting debtors
Summary
Kata Kunci: perjanjian kredit, klausul baku, offering letter, perlindungan hukum. Abstract: this study aimed to analyze legal protection for debtors who experienced losses due to the credit agreement which was different from the offering letter. Abstrak: kajian ini bertujuan untuk menganalisis perlindungan hukum bagi debitur yang mengalami kerugian akibat isi perjanjian kredit yang berbeda dengan offering letter. Untuk melindungi debitur dari kerugian akibat klausul-klausul baku yang tidak terdapat pada offering letter, telah ada perlindungan hukum baik secara preventif dan represif yang diberikan oleh peraturan perundang-undangan. Sebelum memberikan kredit kepada nasabah, bank wajib melakukan penilaian dari berbagai aspek calon debitur dengan memperhatikan prinsip kehati-hatian yang berlaku sebagaimana amanat Pasal 8 Undang-Undang Nomor 10 Tahun 1998 tentang. Bank seringkali memasukkan klausul-klausul baku yang dilarang oleh peraturan dalam isi pasal akta perjanjian kredit namun tidak disebutkan dalam offering letter sehingga mengakibatkan kerugian bagi debitur. Penelitiаn hukum ini bertujuan untuk menelaah perlindungan hukum bagi debitur atas kerugian yang timbul dari akta perjanjian kredit yang telah ditandatangani, berbeda dengan offering letter. Bahan hukum yang diperoleh akan dianalisis menggunakan metode kualitatif deskriptif dengan mengelompokkan dan menyeleksi, kemudian dihubungkan dengan teori sehingga diperoleh jawaban atas permasalahan yang timbul akibat perjanjian kredit yang tidak sesuai dengan offering letter
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