IMPLEMENTASI PERLINDUNGAN HUKUM BAGI KREDITOR DALAM PEMBERIAN KREDIT MODAL KERJA TANPA AGUNAN (Studi di Danamon Simpan Pinjam Unit Turen)

Authors

  • Muhammad Hatta Pratama

DOI:

https://doi.org/10.21776/ub.arenahukum.2014.00701.3

Keywords:

Agunan

Abstract

Abstract

 

This paper aims to identify and analyze the implementation of legal protection for creditors in the provision of working capital loans without collateral. Writing method used is the juridical empirical approach to legislation. There are two forms of legal protection for creditors in lending without collateral. First Protection preventive law, the agreement required binding for both parties in order to avoid losses in case of bad credit that can later be used as the basis for billing when the bad loans. Second, repressive legal protection, which is necessary to the protection of a special court handling problems of small banks with low cost considering the amount of credit granted is not too large.

Key words: legal protection, personal loan, creditors, debitors

 

 

Abstrak

 

Tulisan ini bertujuan untuk mengetahui dan menganalisis implementasi perlindungan hukum bagi kreditor dalam pemberian kredit modal kerja tanpa agunan. Metode penulisan yang digunakan adalah yuridis empiris dengan pendekatan perundang-undangan. Ada dua bentuk perlindungan hukum bagi kreditor dalam pemberian kredit tanpa agunan. Pertama Perlindungan hukum preventif, diperlukan isi perjanjian yang mengikat bagi kedua belah pihak guna menghindari kerugian apabila terjadi kredit macet yang nantinya dapat dijadikan dasar untuk penagihan apabila kredit macet. Kedua,  Perlindungan hukum Refresif, dimana pada perlindungan ini diperlukan sebuah pengadilan kecil yang khusus menangani permasalahan perbankan dengan biaya yang murah mengingat jumlah kredit yang diberikan tidaklah terlalu besar.

Kata kunci: perlindungan hukum, kredit tanpa agunan, kreditor, debitor

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Published

2015-06-01

How to Cite

Pratama, M. H. (2015). IMPLEMENTASI PERLINDUNGAN HUKUM BAGI KREDITOR DALAM PEMBERIAN KREDIT MODAL KERJA TANPA AGUNAN (Studi di Danamon Simpan Pinjam Unit Turen). Arena Hukum, 7(1), 26–47. https://doi.org/10.21776/ub.arenahukum.2014.00701.3

Issue

Vol. 7 No. 1 (2014)

Section

Artikel

License

Copyright (c) 2014 Muhammad Hatta Pratama

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