Tinjauan Yuridis Penyaluran Kredit UMKM di PT Bank Sumut (Studi Pada Bank Sumut Kacab. Kota Pinang)

Abstract

The State of Indonesia is a lawful country as regulated in the provisions of article 1 Paragraph (3) of the 1945 Constitution. The state of Indonesia is based on the law (rechtsstaat) not based on mere power (Machtsstaat) as a juridical consequence then all actions of every citizen and his government apparatus shall be based on law. The existence of the law is not merely as a guide to read, see or know only, but to be implemented and obeyed. This is because the law is a rule or norm that is domiciled and serves as an alignment of conflict and conflict between humans born because of the existence of social interactions that live in society. Bank according to Law No. 10 of 1998 On amendment to Act No. 7 of 1992 concerning banking, is a business entity that collects funds from the community in the form of credit or in other forms in order to improve the standard of living of many people. From the definition can be said that the existence of BANK is very important for the people who will nanntinya support the economy of a country. Banks are often regarded as a liaison tool for people who have excess funds to people who have a lack of funds which have excess funds to save some funds in the bank and have a lack of funds to borrow some funds dibank. The problem that will be discussed is how the Law Regulation of MSMEs in Indonesia Particularly BANK North Sumatra, How the implementation of SMEs Credit distribution in BANK North Sumatra and the impact experienced by BANK North Sumatra on MSME credit Disbursement The purpose of this study is to get answers from the issues discussed. Research method with qualitative research that is method by doing analysis to data taken from one related instasi through interview. The products offered by BANK Sumut in distributing MSME credit are already in line with the regulation, which is a constraint in this distribution only bad debts are often experienced by the BANK for various reasons that many of the recipients of Credit. However, in this case the BANK is still understandable as long as it does not exceed the reasonable limit, because if more bad loans experienced by BANK is likely the BANK will lose