<![CDATA[ABSTRAK Seiring Dengan Perkembangan Waktu Dan Tuntutan Kebutuhan Dari Masyarakat Munculnya Bank Pasar Memberikan  Suatu Produk Pelayanan Yaitu Kredit Pegawai Tanpa Agunan (Kpta) Untuk Pegawai Negeri Sipil Pemerintah Kota Pontianak. Sasaran Kredit Tanpa Agunan Ini Diberikan Kepada Calon Pegawai Negeri Sipil Kota Pontianak, Pegawai Negeri Sipil Kota Pontianak, Pegawai Kontrak Di Lingkungan Pemerintah Kota Pontianak, Pegawai Bumn Kota Pontianak. Terkait Kredit Tanpa Agunan Penulis Tertarik Untuk Menganalisis Apakah Bank Pasar Sudah Menerapkan Prinsip Kehati-Hatian, Bagaimana Tentang Asas Kebebasan Berkontrak Dalam Perjanjian Serta Penyelesaian Masalah Apabila Terjadi Kredit Macet.Metode Penelitian Ini Masuk Dalam Ranah Penelitian Yuridis Normatif. Data Penelitian Diperoleh Dengan Cara Mempelajari Bahan Pustaka, Yang Kemudian Disistematisasi Dan Selanjutnya Dianalisis, Hingga Dihasilkan Kesimpulan.Hasil Penelitian Menunjukan Bahwa 1) Bank Pasar Penyaluran Kredit Tanpa Agunan Menerapkan Prinsip Kehati-Hatian Berlandaskan Ketentuan Undang-Undang Nomor 10 Tahun 1998 Melalui Pedoman Formula 5c Dan Slik Dari Otoritas Jasa Keuangan. 2) Kredit Tanpa Agunan Merupakan Perjanjian Kredit Bersifat Baku Yang Telah Disediakan Langsung Oleh Pihak Bank Pasar.3) Adapun Permasalahan Jika Ada Debitur Membayar Angsuran Tidak Tepat Waktu Yang Telah Ditetapkan Maka Dikenakan Sanksi Berupa Denda, Dan Apabila Angsurannya Macet, Maka Bendahara Melakukan Konfirmasi Lisan Kepada Debitur Serta Melakukan Penagihan. Serta Apabila Debitur Dalam Keadaan Lalai Sesuai Dengan Ketentuan Perjanjian Maka Pihak Bank Melakukan Upaya Hukum Ke Pengadilan Dan Secara Arbitrase.Kata Kunci : Bank Pasar Kredit Pegawai Tanpa Agunan ABSTRACTAlong with the Development of Time and Demands for the Needs of the Community The emergence of a Market Bank Provides a Product of Service That is Employee Loans Without Collateral (Kpta) For the Civil Servants of the Pontianak City Government. The Target of Unsecured Loans Is Given To Candidates of Pontianak City Civil Servants, Pontianak City Civil Servants, Contract Employees in Pontianak City Government Environment, Pontianak City Government Employees. Related to Personal Loans The writer is interested in analyzing whether the market bank has applied the precautionary principle, how about the principle of freedom of contract in the agreement and the resolution of the problem if bad credit occurs. This research method is included in the normative juridical research field. Research Data Obtained By Studying Library Materials, Which Are Then Systematized And Further Analyzed, Until A Conclusion Is Generated. The Research Results Shows That 1) Market Banks Distribution Of Unsecured Loans Applying The Precautionary Principle Based On The Provisions Of Law Number 10 of 1998 Through Formula 5c Guidelines And Slik from the Financial Services Authority. 2) Unsecured Loans Are Standard Credit Agreements That Have Been Provided Directly By The Bank Market Party. 3) The Issues If There Is A Debtor Paying Installments Not Timely That Has Been Determined Then A Sanction In The Form Of Fine, And If The Installment Stops, The Treasurer Confirms Oral To Debtors and Billing. As well as if the debtor is in a state of negligence in accordance with the provisions of the agreement, then the Bank will conduct legal remedies to the court and arbitrarily. Keywords: Bank Market Employee Loans Without Collateral]]>
