ASURANSI JIWA SEBAGAI TINDAKAN PREVENTIF DALAM PENGAMANAN PEMBERIAN KREDIT KONSUMTIF PADA PT. BANK NEGARA INDONESIA (Persero) Tbk CABANG SOLOK
ABSTRACT: Banks do not just
ask for collateral material but also sought assurances Certificate of
employment, the debtor must insure his soul as a condition to obtain consumer
credit. Problems studied is : 1) How is the implementation of the closure of
the life insurance as collateral granting consumer credit at PT. BNI (Persero)
Tbk branch Solok, 2) How is the
implementation of life insurance claims filing on PT. BNI (Persero) Tbk Branch
Solok?, 3) What is the reason PT. BNI (Persero) Tbk branch Solok make life
insurance as a condition to get credit?, This type of research is sociological
juridical, primary data from interviews with the bank and the debtor 5, and the
primary data and secondary data were analyzed qualitatively, The survey results
revealed was, 1) Insurance coverage carried by the bank, its staff and the
policy carried out by the bank controlled by the bank, 2) filing insurance
claims heirs only complete terms, the claims made by the bank pays principal
and SK warranty claims can be left to heirs, 3) The reason life insurance as a
condition for obtaining credit is a banking protection in rescue loans.
Penulis: Azura Elfinita,
Yanzalzisatry, Elyana Novira
Kode Jurnal: jphukumdd151233
