Please use this identifier to cite or link to this item: https://repositori.uma.ac.id/handle/123456789/19727
Full metadata record
DC FieldValueLanguage
dc.contributor.advisorMubarak, Ridho-
dc.contributor.advisorLubis, Anggreini Atmei-
dc.contributor.authorNasution, Fanny Tree Aprillia-
dc.date.accessioned2023-04-11T04:40:53Z-
dc.date.available2023-04-11T04:40:53Z-
dc.date.issued2023-03-23-
dc.identifier.urihttps://repositori.uma.ac.id/handle/123456789/19727-
dc.description84 Halamanen_US
dc.description.abstractPerwujudan dari pelaksanaan prinsip kehati-hatian dalam rangka pemberian kredit tercermin dalam kriteria-kriteria yang dinamakan Prinsip 5C. Adapun permasalahan dalam penelitian ini meliputi 3 permasalahan yaitu mekanisme penerapan prinsip 5C dalam perjanjian kredit simpan pinjam di PT Bank Sumut KP Medan, sistem pengawasan kredit pada PT Bank Sumut KP Medan, dan wanprestasi dalam kredit agunan. bentuk dari pengaturan Prinsip 5C itu adalah tertulis dan terstruktur karena prinsip 5C diatur dalam Perundang- Undangan yang dalam hal ini diatur dalam Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan. analisa yang dilakukan tersebut menjadi patokan kepada debitur untuk mengurangi resiko yang akan terjadi di dalam pemberian kredit yang dapat merugikan perbankan selaku kreditur. Penelitian ini bertujuan untuk menambah pengetahuan dan pemahaman penulis dalam penelitian hukum dibidang hukum Perbankan, mengenai pelaksanaan perjanjian kredit pada PT Bank Sumut KP Medan dan upaya dalam mengatasi permasalahannya. teknik penelitian yang digunakan adalah yuridis normatif, yaitu penelitian hukum kepustakaan yang dilakukan dengan cara meneliti bahan-bahan pustaka atau data sekunder belaka. Sifat penelitian yang digunakan adalah deskriptif analisis. Lokasi penelitian dilakukan di PT Bank Sumut KP Medan, Jl. Imam Bonjol Nomor 18, Medan. Berdasarkan hasil pembahasan yang dilakukan, penulis berkesimpulan bahwa Penerapan Prinsip 5C Di PT Bank Sumut KP Medan dilaksanakan sejak tahap permohonan kredit oleh debitur. hal ini dilakukan untuk meminimalisir resiko dalam perjanjian kredit. Upaya yang dilakukan oleh PT Bank Sumut KP Medan dalam mengatasi permasalahan perjanjian Kredit Simpan Pinjam yaitu melakukan analisis kredit dengan sungguh-sungguh pada saat menganalisis karakter calon debitur, dan melakukan kunjungan langsung dalam rangka pengecekan barang jaminan untuk mengatasi permasalahan mengenai nilai jual aset/barang berharga oleh calon debitur. Penulis berharap PT Bank Sumut KP Medan mempunyai peraturan khusus yang mengatur tentang analisis kredit, sehingga bisa menjadi pedoman pelaksanaan analisis kredit yang nyata, jelas, dan dapat dipertanggungjawabkan. The realization of the implementation of the precautionary principle in the context of providing credit is reflected in the criteria called the 5C Principle. The problems in this study include 3 problems, namely the mechanism for applying the 5C principle in the savings and loan agreement at PT Bank Sumut KP Medan, the credit supervision system at PT Bank Sumut KP Medan, and default in collateral credit. The form of the regulation of the 5C Principles is written and structured because the 5C principles are regulated in legislation which in this case is regulated in Law Number 7 of 1992 concerning Banking. The analysis carried out becomes a benchmark for the debtor to reduce the risks that will occur in the provision of credit that can harm banks as creditors. This study aims to increase the author's knowledge and understanding in legal research in the field of banking law, regarding the implementation of credit agreements at PT Bank Sumut KP Medan and efforts to overcome the problems. The research technique used is normative juridical, namely library law research which is carried out by examining library materials or secondary data. The nature of the research used is descriptive analysis. The research location was conducted at PT Bank Sumut KP Medan, Jl. Imam Bonjol Number 18, Medan. Based on the results of the discussion carried out, the authors conclude that the application of the 5C Principle at PT Bank Sumut KP Medan has been implemented since the stage of credit application by the debtor. this is done to minimize the risk in the credit agreement. Efforts made by PT Bank Sumut KP Medan in overcoming the problems of the Credit Savings and Loan agreement are conducting credit analysis seriously when analyzing the character of prospective debtors, and making direct visits in order to check collateral goods to overcome problems regarding the selling value of assets/valuable goods. by prospective debtors. The author hopes that PT Bank Sumut KP Medan has special regulations governing credit analysis, so that it can become a real, clear, and accountable implementation guideline for credit analysis.en_US
dc.language.isoiden_US
dc.publisherUniversitas Medan Areaen_US
dc.relation.ispartofseriesNPM;188400132-
dc.subjectwanprestasien_US
dc.subjectperjanjian krediten_US
dc.subjectprinsip 5cen_US
dc.subjectdefaulten_US
dc.subjectcredit agreementen_US
dc.subject5c principleen_US
dc.titleTinjauan Hukum terhadap Penerapan Prinsip 5C (Character, Capacity, Capital, Condition, Collateral) dalam Perjanjian Kredit Simpan Pinjam pada PT Bank Sumut KP Medanen_US
dc.title.alternativeLegal Review on the Application of 5C Principles (Character, Capacity, Capital, Condition, Collateral) in Savings and Loan Agreements at PT Bank Sumut KP Medanen_US
dc.typeSkripsi Sarjanaen_US
Appears in Collections:SP - Civil Law

Files in This Item:
File Description SizeFormat 
188400132 - Fanny Tree Aprillia Nasution - Fulltext.pdfCover, Abstract, Chapter I, II, III, V, Bibliography3.06 MBAdobe PDFView/Open
188400132 - Fanny Tree Aprillia Nasution - Chapter IV.pdf
  Restricted Access
Chapter IV393.79 kBAdobe PDFView/Open Request a copy


Items in DSpace are protected by copyright, with all rights reserved, unless otherwise indicated.