TINJAUAN YURIDIS TERHADAP PEMBERIAN KREDIT BANK DENGAN JAMINAN PERSONAL GUARANTEE (STUDY PADA BANK BRI CABANG KCP WILLEM ISKANDAR)
Abstract: Banks play an
important role in serving the community. The process of credit with Bank BRI
branch KCP Willem Alexander, among others: The entire entry will be submitted
in writing by the customer / prospective borrowers who file signed by the authorized
officials. Letter of request through the "Customer Service" presented
to "the Business Unit" as the customer. "Bussines Unit 'clients
examine the request for approval is feasible or not. "Bussines Unit"
assess the applicant's reputation and business prospects are good, then
"the Business Unit" recommendations to "Credit Risk" in the
form of Memorandum Management Area. And evaluate the proposed credit facility
and represent it in the form of "Credit Report". What if the loan
application can be approved then the next "Credit Risk" Management
Area signed the "Credit Approval" together with "the Business
Unit" on "level of authority" the same. "Bussines
Unit" to create and submit a notice with the approval given to customer
with a copy submitted to the Credit Risk Management to prepare the credit
agreement. With the guarantee that there are no barriers constraints sebagimana
in general .The right of an insurer to not be bound together with the debtor
bears responsibility. The right to file a rebuttal sipenjamin.Rights sipenjamin
to divide debt.Rights sipenjamin to be dismissed from the guarantor. Liability
insurance can switch to an heir, and are subside.
Penulis: Kennie Dhillon
Kode Jurnal: jphukumdd130626
