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Journal : Unram Law Review

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Settlement of Bad Loans Through Auction Execution of Customer Rights at Bank Syariah Indonesia: english Erwin Putra Pratama; Markoni; Joko Widarto; Horadin Saragih
Unram Law Review Vol 8 No 1 (2024): 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.v8i1.307

Abstract

Bank Syariah Indonesia (BSI) is an Islamic bank institution that provides financing to customers. BSI KCP Tangerang City, one of the sub-branch offices, needs help financing the wrong customers. The bank analyzes financing and applies collateral as collateral for customer financing. This research has a problem formulation: how to resolve lousy credit through auction execution of mortgage rights. This research used the normative juridical approach through interviews with data sources, laws, and literature studies. The results of this study indicate that BSI KCP Tangerang City applies an auction for a bad debt if the customer's financing has a bad status and is reluctant to pay his debts under Bank Indonesia Regulation No. 14/15/PB/2012 concerning Asset Quality Assessment of Commercial Banks. The bank considers the relief efforts of restructuring negotiations, such as rescheduling, reconditioning, and restructuring, given time, to the sale of collateral. The implementation and procedures of the auction are submitted to the KPKNL by the Minister of Finance Regulation Number 213 / PMK.06 / 2020 concerning Guidelines for the Implementation of Auctions. The bank conducts collateral credietverband; the sale proceeds are handed over to the customer after deducting KPKNL fees. The bank needs to review the application of the prudential principle, 5C, 7P, and 3R credit analysis to minimize lousy credit. Customers are advised to be able to reconsider the feasibility of their ability before applying for credit from the bank.
Co-Authors Achmad Edi Subiyanto Adel Chandra Annisa Fitria Anthony, Peter Ardiansah Astika Ulfah Izzati Bagio Kadaryanto, Bagio Ban Hin, Siaw Berliansari, Novia Safitri Binsar M. Gultom Budi Asri, Dyah Permata Budi Lestari Budi Setiawan Budi Setiawan Dasuki Santoso Dekky Tiara Pra Setia Ediyanto Edward Fernando Siregar Elawati, Tuti Elvinus Engel, Justi Elwis Tunendra Erwin Putra Pratama Eugenia, Edith Griselda Fauzan Ferdian Togi Sinurat Frianka Anindea Gautama, Maria Patricia Gistia Helty Gojali, Akhmad Gultom, Brian Daven Kyher Hamdani Handy Heilynn Helvis, Helvis Hero Samudra Holidah, Indah Nur Horadin Saragih Hulain Hulain I Made Kanthika I Made Kantika I Made Kantikha intan permata kasih Iswantoro Jaya, Alfin Firman Joko Widarto Kantikha, I Made kartini, kartini Kurniawan, Alan Lahea, Fernando Lidya Anggraeni Malemna Sura Anabertha Malemna Sura Anabertha Sembiring Maria Ulfa Arifia Mellisa Agustina Sinaga Miskiyah, Neneng Muhamad Bahtiar Muharam, Irsan Nardiman Nardiman Nardiman Nardiman Nelly Dharma Nursaban Rommy Nurul Ittaqullah Parman. Bm. Nainggolan Peter Anthony Porman Hutabarat Prihati Puspita, Veny Putra, Ichwan Fuad Chaerul Raditya Pratomo Randi Fryandika Revi Revi Roman Destian Pahrori Rosalia Herlina Sutanti Rudi Fahrudi Setiaji Wibowo Sherry Arisanti Sihombing, Jasalmon Siregar, Pascal Raja Ilham Solihat, Ihat Sukarman Tia Shabrina Tri Wahyu Pranoto Tulus Widodo Tuti Elawati venti, fikrialhadi99@gmail.com Wasis Susetio Wasis Susetio Yohanes Lado Jera Yudhi Ongkowijaya Zulfikar Zulfikar Judge Zulfikar Judge