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All Journal LEGITIMASI: Jurnal Hukum Pidana dan Politik Hukum Unram Law Review Morality :Jurnal Ilmu Hukum Unes Law Review Jurnal Media Informatika Perspektif Hukum Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Journal of Comprehensive Science Cessie : Jurnal Ilmiah Hukum QISTINA: Jurnal Multidisiplin Indonesia Jurnal Pendidikan Indonesia (Japendi) Jurnal Hukum Indonesia Innovative: Journal Of Social Science Research Kultura: Jurnal Ilmu Sosial dan Humaniora Causa: Jurnal Hukum dan Kewarganegaraan PESHUM
Tanudjaja, Tanudjaja
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Journal : Unram Law Review

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Implementation of Credit Agreement with Civil Servant Appointment Decree Guarantee Manan, Najwa Septianingsih; Tanudjaja, Tanudjaja
Unram Law Review Vol 9 No 1 (2025): Unram Law Review (ULREV)
Publisher : Faculty of Law, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/ulrev.v9i1.394

Abstract

This study analyzes the legal review of credit agreements secured by the Appointment Decree of Civil Servants as collateral. The research method used is qualitative juridical normative with a statutory approach. The findings indicate that banks need to assess the repayment capacity of potential borrowers according to their ability, mainly when the SK PNS is used as loan collateral. The certainty of the civil servant's basic salary and the provision of a Salary Deduction Power of Attorney are key factors that assure the bank of the civil servant's ability to repay the credit debt.
Co-Authors Aklis, Indah Aminah Aminah, Indah Anam, Hoirul Ang, Felix Attamimi, Fahim Budi Cahyono , Suparman Budi Cahyono, Suparman cipta dewa, Renada Damayanti, Ulfi Donato Flamel Osorio Soares Alves Edi Santoso Himawan Estu Bagijo . Kauna, Aghy Listiyarini, Rita Manan, Najwa Septianingsih Margareta, Stefani Mega Lestari Michella, Jasmine Michelle, Michelle Oktawila, Denok Rohi, Leba Max Nandoko Rusmaya, Elsinta Setyowati, Anggia Ekitiana Syakila, Rima Mangheskhar Tandiono, Sidharta Teguh, Julius Santoso Tjoa, Robby Vigianto, Andri Virgianto, Andri WIJANARKO, SIGIT