Tinjauan Yuridis Terhadap Debitur yang Melakukan Wanprestasi dalam Perjanjian Kredit Bank Mestika (Studi Kasus Putusan No.447/Pdt.G/2013/PN. Mdn)

Abstract

This study aimed to determine the elements of credit, especially credit in the banking and to aware of the legal consequences and treatment if the debtor wanprestasi. Problem in thesis writing is how the mechanism of the bank in resolving bad loans and how the legal consequences for debtors who do Default of the credit agreement with the Bank Mestika on the judgment on Case No. 447 / Pdt.G / 2013 / PN.Mdn. Methods used in writing this kind of research is normative juridical that kind of research that is done by studying the existing norms or legislation related to the issues discussed. Source of the data obtained is data including official documents, books, research results are tangible report. In this case the secondary data is data regarding a civil case verdict 447 / Pdt.G / 2013 / Pn.Mdn obtained or derived directly from the relevant agencies, namely the Medan District Court. Bad Debt Settlement Mechanism By Bank which, in the form of Billing, Control, Data Collection and Settlement Back through the Atonement, Sales alone, or Sales Force. As a result of legal action against debtors who are in default under the bank credit agreement pursuant to Decision No. 447 / Pdt.G / 2013 / PN.Mdn is to punish the debtor or called-I as the Defendant and the Defendant owed-II as the approved debt-I Defendant to the Plaintiff to pay the entire debt of the Defendant to the Plaintiff-I of Rp.5.074 .913.640.18, - (Five billion seventy-four million nine hundred thirteen thousand six hundred and forty rupiah eighteen cents).