KEEFEKTIFAN JAMINAN DALAM PERJANJIAN KREDIT BANK DALAM PENGAMANAN PIHAK KREDITUR PADA PT. BANK BNI'46 Tbk CABANG UNDIP SEMARANG

Abstract

As in (mowing Business: bank Fundamentally o give services and credit in payment traffic and circulation of money. While especial source, earnings of bank is to come from credit interest Credits which in giving by bank need in protecting. Without existence of security hence bank difficult to parry risk, incoming, as effect do not client it. Because of, that Bank of BNI146 in its effort give credit to (Customer, . have to in preceding with peranjian of credit beforehand, position agreement of that systemati, credit enough because agreement of credit as agreement of fundamental or agreement of standart, guidance appliance concerning rights and obligations definition of is each good side of giver of creditor or credit / receiver and also bank, debtor or credit / client and also, owning risk and effect which must in distress by each side. To get and certainty of safoty its credit of Bank of BNI146 conduct action that is existence of guarantee in gift of credit, despitefully have to pay attention things as giving my that is situation of Bank and situation of client candidate besides also orientation 5 C Credit of. Method, this writing use research of juridical - empirical and have the character of descriptive analyst that is result of which in obtaining from this research in expecting can give picture by totally and systematic about Effectiveness of Agreement Credit Bank In Security To Creditor At PT. Bank of BNI146 Tbk Branch Undip Semarang which then in analyst so that earn in taking conclusion in general. Research location that is in Bank of BN1146 Branch Unclip Semarang. Result of from that research indicate that agreement of credit represent rights and obligations definition to debilor and creditor. While steps which in doing Bank of BNI146 to protect credit basically earn in classifying two kinds of that is situation of bank intern and also situation of client candidate. Sebagaimana di ketahui bahwa usaha pokok bank adalah memberikan kredit dan jasa-jasa dalam lalu lintas pembayaran dan peredaran uang. Sedangkan sumber utama pendapatan bank adalah berasal dari bunga kredit. Kredit-kredit yang di berikan oleh bank perlu di amankan. Tanpa adanya pengamanan lnaka bank sulit untuk mengelakkan resiko yang datang, sebagai akibat tidak berprestasinya nasabah. Oleh karena itu Bank BNI'46 dalam usahanya memberikan kredit kepada calon nasabah harus di dahului dengan perjanjian kredit terlebib dahulu, posisi perjanjian kredit itu cukup sistematis karena perjanjian kredit sebagai perjanjian pokok atau perjanjian standart, alat pedoman mengenai batasan hak dan kewajiban masing-masing pihak balk pemberi kredit atau kreditur/bank maupun penerima kredit atau debitur/nasabah serta memiliki akibat dan resiko yang harus di derita oleh masing-masing pihak. Untuk mendapatkan kepastian dan keamanan dari kreditnya Bank BNI'46 melakukan tindakan yaitu adanya jaminan dalam pemberian kredit, di samping itu harus memperhatikan hal-hal sebagai berilcu yaitu keadaan Bank dan keadaan calon nasabah selain itu juga berpedoman 5 C of Credit. Metode penulisan ini menggunakan penelitian Yuridis-Empiris dan bersifat Dedkriptif analistis yaitu hasil yang di peroleh dari penelitian ini di harapkan dapat memberikan gambaran secara menyeluruh dan sistematis tentang Keefektifan Perjanjian Kredit Bank Dalam Pengamanan Kepada Kreditur Pada PT. Bank BNI'46 Tbk Cabang Undip Semarang yang kemudian di analisa sehingga ilapat di ambil kesimpulan secara umum. Lokasi penelitian yaitu di Bank BN1'46 Cabang Undip Semarang. Hasil dari penelitian itu menunjukan bahwa perjanjian kredit merupakan batasan hak dan kewajiban bagi kreditur dan debitur. Sedangkan langkah-langkah yang di lakukan Bank BNI'46 untuk mengamankan kredit pada dasarnya dapat di golongkan dua macam yaitu keadaan intern bank maupun keadaan calon nasabah.