Debtor Credit Research Articles

EKSISTENSI KUASA MENJUAL DALAM PENYELESAIAN KREDIT DEBITUR MACET MELALUI PROSES AYDA (Aset Yang Diambil Alih Oleh Bank)

This study discusses the existence of the power of attorney to sell and the authority of creditors in the deed of attorney to sell as part of the settlement of bad debtor loans through the AYDA process, as well as the importance of legal certainty of the deed of attorney to sell. In the first analysis, we understand the role and implications of the power of attorney to sell and the rights and authorities of creditors in carrying out the deed of sale. The second analysis highlights the urgency of legal certainty in the deed of sale to ensure transparency, fairness, and optimal protection in the settlement of bad debtor loans. Both provide in-depth insight into legal aspects and build public confidence in the debtor's credit settlement system through the AYDA process. The method used is juridical normative which aims to find the conformity of the rule of law with legal norms; the conformity of legal norms with legal principles; and the conformity of actions with legal norms or legal principles The result of this study is that the settlement of the debtor's credit through the AYDA process requires good regulation and protection of the debtor's rights. Clear regulation, close supervision, awareness-raising and periodic evaluations are important for a fair, effective and balanced settlement. Legal certainty in the power of Attorney Act is also important. Such legal clarity ensures fairness, protection of debtors ' rights, and builds public confidence in the banking system.

PROBLEMATIKA DAN SOLUSI KREDIT MACET KREDIT USAHA RAKYAT (KUR) PADA BANK X

This research is motivated by the problems that occur in banks, namely bad loans, this is due to the lack of cooperative debtors in completing their installment obligations and mistakes made by the bank in conducting debtor surveys and credit analysis. The method used in this study is a qualitative approach, through interviews with employees of Bank X. The conclusion of the resolution of the problem of bad loans in this study is by intensive collection when the debtor is in arrears in installments. Bank X will also restructure or reschedule the debtor's credit (there is a change in the term and the amount of installments) this is intended so that debtors can have the ability to pay installments smoothly. When the debtor is really unable to make repayments or installment payments, the bank will sell the assets and collateral/collateral from the debtor.

PERLINDUNGAN HUKUM TERHADAP PEMENANG LELANG SEBAGAI PEMBELI BERITIKAD BAIK YANG DIGUGAT KEMBALI

When the bank debtors did not make the payment, the bank as the holder of the mortgage is bound in the credit agreement by obtaining fulfillment of the debtor's credit through an auction process as mandated by law. Problems will arise if the auction winner cannot own or control what he has won because the debtor uses the auction process on the collateral. Then the winner of the auction is a buyer with ‘good faith’ who must be protected by law, and legal protection for the buyer with ‘good faith’ as stated in article 584 of the Civil Code of ‘good faith’ exists if the property rights are obtained through one of the means to obtain property rights, where from that article It is known that some of the transfer of existing property rights cannot be separated from the existence of the agreement law in the Civil Code. Legal remedies that can be taken by the injured parties during the auction execution by the court if there is a rebuttal due to the lawsuit made by the original owner which is later won by the court's decision of the original owner, then the auction holder can submit legal remedies to the high court to resolve the problem by way of an appeal to the Supreme Court. This is because selling through an auction is a civil selling effort and legal remedies that can be taken within the scope of civil law.

Legal Protection Against Providers of Guarantees for Land Rights in the event of Default Debtors (Study at Bank Mandiri Bima Branch)

In the practice of lending at Bank Mandiri, Bima Branch is found by debtors who do not have objects in the form of land rights that can be guaranteed, but banks as creditors can still channel credit due to the appearance of third parties as guarantors, where these third parties are owners of land rights the land rights as collateral for the debtor's credit. This third party is the provider of mortgages in the APHT, as stipulated in Article 8 paragraph 1 of Law No. 4 of 1996 concerning Mortgage Rights. The problem in this research is, how is the responsibility of the guarantee provider of land rights in the event of a default debtor? And how is the legal protection of the guarantee provider of land rights in the event of a debtor's performance? The purpose of this research is to know and analyze the responsibility of the giver of the guarantee of the upper right in the case of default debtors, and to know and analyze legal protection against the giver of the guarantee of land rights in the event of default debtors. This research has benefits both practically and theoretically. The research used in this study is a type of Empirical Normative legal research, and the approach in this study is the Legislative, Conceptual, and Sociological Approaches. The collaterals of land rights are responsible for surrendering the rights to the land voluntarily to the bank to be executed by the bank in the event of a default debtor. Based on preventive legal protection, the guarantee provider of land rights has been protected under the Underwriting Rights Act, contained in Article 12, Explanation of Article 6, and Article 20 paragraph (2), and based on the Bima Bank Mandiri policy, while based on refresive legal protection guarantee providers do not have legal protection because the Underwriting Law has not yet regulated refresive legal protection.

PENGARUH DIMENSI KUALITAS LAYANAN KREDIT TERHADAP KEPUASAN DEBITUR USAHA MIKRO DAN KECIL (UMK) PADA BANK TABUNGAN PENSIUNAN NASIONAL

The purpose of this study was to determine the influence of the dimensions of service quality credit-BTPN MUR Palembang Area 1 to satisfaction of its debtors. The population of this research is all debtors of BTPN MUR Palembang Area 1 up to December 2011 were 1,500 people consisting of micro and small business borrowers. The amount of sample to be taken is as much as 93 respondents, rounded to 100 respondents. Samples will be taken proportionately from six branches in Palembang Area 1. The data analysis technique used to determine the effect of service quality to satisfaction of the debtor's credit to micro and small enterprises (MSEs) in the People's Bank BTPN Business Partners Palembang Area 1 is to use statistical analysis multiple regression using the F and t test hypotheses. The analysis showed that it is known that the calculated F value of 1284.787 with a significance value of 0.000 is less than 0.05, which means that H0 rejected and Ha accepted. It is clear that the influence jointly on the dimensions of service quality credits include tangible (X1), reliability (X2), assurance (X3), responsiveness (X4), empathy (X5) to the satisfaction of the debtor UMK in BTPN-MUR Palembang Area 1. In the regression equation showed that the most influential dimensions of consumer satisfaction is the dimension of reliability (reliability). Where the influence of the dimensions of reliability is equal to 0.240 so that if the dimensions of reliability is increased by 1 score then the level of customer satisfaction will be increased by 0.240 assuming other variables held constant.Key Word: Service Quality, Satisfaction Debtor and Small and Medium Enterprises

PERINGKAT KINERJA KEUANGAN PADA PERUSAHAAN GO PUBLIK INDUSTRI MANUFAKTUR YANG TERCATAT PADA BURSA EFEK INDONESIA DENGAN MENGGUNAKAN Z-SCORE ALTMAN MODEL PERIODE 2010-2012

Indonesia is a country that includes emerging markets and focused on the manufacturing sector. In the manufacturing sector will require funds on production activities, and these funds can be obtained from the credit. Meanwhile in Indonesia, many credit activity conducted by commercial banks, which is closely linked to the credit of bad credit. Bad credit can occur due to 2 factors, factors debtor or creditor factors. The meaning of this factor is negligence bank creditors in the debtor's credit analysis. But for manufacturing companies go public, they can raise funds in addition to the credit of the fund shares, many people who say that companies going public is a healthy company because it has passed various tests. Seeing this, the researchers would like to examine the statement and credit analysis test using the Z-Score models Atlman on manufacturing companies going public in Indonesia. The findings of this study indicate that the Z-Score Atlman models can be used for credit analysis in determining whether or not a company bankrupt.