KEDUDUKAN SURAT KEPUTUSAN PENGANGKATAN ANGGOTA DEWAN PERWAKILAN RAKYAT DAERAH DALAM PELAKSANAAN PERJANJIAN KREDIT SEBAGAI OBJEK JAMINAN DI PT. BANK RIAU KEPRI CABANG UTAMA PEKANBARU
ABSTRACT: Important role as a
banking institution that has been mandated by the Banking Law that lending
activities is the primary function of banks in carrying out theirbusiness
activities. Furthermore, in the activities of borrowing money is going in thecommunity
that generally are often required for the delivery of collateral by the debtor
to the creditor. PT. Bank Riau Riau Main Branch Pekanbaru receive credit for members
of Parliament to use collateral SK DPRD (decree of appointment of the member
Regional Parliament), the problems that arise if the SK DPRD can be qualified
as rights of material that can be used as a security object. Formulation of the
problem to be discussed in this thesis are: 1. Is the SK DPRD is a body that
can become the object of legal guarantee? 2. How is the position of material
rights of SK DPRD in the implementation of the credit agreement at PT. Bank
Riau Kepri Main Branch Pekanbaru? This type of research is Empirical Juridical.
The nature of this research is descriptive. This research was conducted at PT.
Bank Riau Kepri Main Branch islocated at Jalan Sudirman No. 377 Pekanbaru. The
conclusion of this study. First, in terms of legal provisions concerning the
legal guarantee of SK DPRD can not be categorized as an object in the object
collateral. Second, SK DPRD in Position th implementation of the credit
agreement by Bank Riau Kepri just as authentic documents that must be met by
the debtor so that the banks can be fulfilled the principle of trust against
the debtor to pay off his credit. Suggestions writer, should the bank require
additional collateral, so that thebank gained a strong guarantee legally from
debtors, banks also need to be more selective accept prospective borrowers to
apply prudence and more in-depth analyzes of the prospective borrower so as to
minimize the risk of loans.
Penulis: Galuh Dwi Nugroho
Kode Jurnal: jphukumdd151150
