PELAKSANAAN PEMBERIAN BANK GARANSI DI PT. BANK EKONOMI RAHARJA CABANG SEMARANG

Abstract

In this globalitation era, businessman compete to develop their business with the tight competitiveness, businessman besides need law to ensure rule of law in their action, also need banking institution to ensure their certainty of business. One of the banking activity that use by the businessman is Bank Guarantee. Bank Guarantee is published to ensure creditor’s importance if the debitor break a promise. If the debitor break a promise, so the kreditor could raising claim of the Bank Guarantee. Bank Guarantee has a function to push banks to help fluenting the flow of goods and services and bond trading. Ekonomi Rharja Bank as one of healthy banking institution gives bank guarantee facility to accelerate business activity. In executing to give bank guarantee of Ekonomi Raharja Bank, there is a main problem that is how execute in giving bank guarantee of Ekonomi Raharja Bank and the obstacles of settlement way of the giving the bank guarantee. As regards, approaching method which is used is juridical empire observations which is need to solve observation object by observing the secondary data to primary data in the field so that can solving the problem and in the end can take conclusion whether the policy of Ekonomi Raharja Bank to execute in giving bank guarantee has fulfilled the Indonesia Central bank regulations. Memasuki era globalisasi, pengusaha berlomba untuk memajukan usahanya dengan persaingan yang ketat. Untuk dapat bertahan dalam usahanya, pengusaha selain memerlukan hukum untuk menjamin kepastian hukum dalam tindakan pelaksanaan mereka, juga memerlukan lembaga Perbankan yang dapat menjamin kelancaran bisnisnya. Salah satu kegiatan usaha bank yang banyak dimanfaatkan oleh pengusaha adalah bank garansi. Bank garansi diterbitkan untuk menjamin kepentingan kreditur apabila debitur wanprestasi, maka kreditur dapat mengajukan klim atas bank garansi tersebut. Bank garansi berfungsi mendorong bank untuk membantu memperlancar lalu lintas barang dan jasa serta perdagangan surat berharga. Bank Ekonomi Raharja sebagai salah satu lembaga perbankan yang sehat memberikan fasilitas bank garansi untuk memperlancar kegiatan usaha. Dalam praktek pelaksanaan pemberian bank garansi di Bank Ekonomi Raharja, terdapat pokok permasalahan yakni bagaimana pelaksanaan pemberian bank garansi di Bank Ekonomi Raharja dan kendala serta cara mengatasinya dalam pelaksanaan pemberian bank garansi