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Ismayani Ismayani
Program Studi Agribisnis, Fakultas Pertanian, Universitas Syiah Kuala
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Journal : Journal of Law Science

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Loan to a bank under a credit agreement with a certificate of title as collateral Ismayani, Ismayani
Journal of Law Science Vol. 7 No. 2 (2025): April: Law Science
Publisher : Institute Of computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/jls.v7i2.6096

Abstract

This research aims to analyse the problems arising in the granting of credit by PT Bank Sumut related to the inclusion of standard clauses in credit agreements that are detrimental to the debtor, in this case Rudi Hartono Silitonga. The case studied involves the provision of a credit facility with the type of KRK-SPK credit worth Rp. 4,500,000,000,- for financing the construction project of Bridge II Sta 0+815-Sta 0+835 (Sigalang-galang II Bridge) in Siantar Martoba District, Pematangsiantar City, which is guaranteed by a Certificate of Ownership (SHM) in the name of Irwan Nasution. The problems that arise are related to violations of the legal provisions governing the inclusion of standard clauses in credit agreements, which are allegedly not transparent and not in accordance with applicable consumer protection provisions. This research uses a normative legal approach to analyse the relevant laws and regulations as well as the credit agreement made unilaterally by the bank. The results showed that the standard clause in the credit agreement used by PT Bank Sumut had the potential to harm the debtor because there was no information disclosure regarding the transfer of obligations and conditions governing the transfer of insurance responsibility. In addition, arrangements regarding the transfer of credit risk are not adequately informed to the debtor, which leads to alleged violations of consumer rights. This research suggests the need for greater transparency in the preparation of clauses in credit agreements and the importance of better fulfilment of legal obligations by lenders to avoid harm to consumers
Co-Authors Abdul Kadir Achmad Asrori Adhawati, Laela Alwi Fahruzy Nasution Andrei Ramani Annisa, Widya Apriliani, Lilik Ayu Aprilliyanti, Dini Aziza Arizmayadi, M. Yusran Auliya, Lana Auralia, Feby Angel Bawazier, Kamila Fihir Br. Bangun, Nirwana Chairina Chairina, Chairina Chandri, Dining Aidil Dedi Sahputra Napitupulu, Dedi Sahputra DEWI SARTIKA Elanda, Yochi Eliyawati Eliyawati Erma, Zetria Esther, July Fahrul Rizal, Fahrul Faqrurrowzi, Lendra Fatin Nadifa Tarigan Fauzah Cholashotul I’anah Hanafi Pasaribu, Yusuf Harahap, Syaiful Hasibuan, Uli Makmun Hayati, Winta Herlina Manullang HIKMAH, RAUDATUL Ingan Mahuli, Jenda Jayanti Dian Eka Sari, Jayanti Dian Karma, I Nyoman Latifah, Lailatul Ludvia, Istidamatul Lumban Batu, Fider M. Nasor, M. Mahdi Mahdi, Mahdi Mahuli, Jenda Ingan Misdawati, Misdawati Muhlizar Muhlizar Mursal Aziz Nasution, Ramadhany Nasution, Ridwan Naura, Diah Ayu Nazlah Syahaf Nasution Novi Yanti nur subiantoro Nurbayanti, Elya Sri Nurmayana, Nurmayana Nursakinah Annisa Lutfin Parinduri, Ramadha Yanti Prayoghi, M. Satrio Priono, Joko Puad Tarigan, Syaipul Rachmah Indawati Rahmaniah, Rahmaniah Ratmawati Malaka RINI RINI Riris Diana Rachmayanti Riswari, Aninditya Ardhana Rizki, Ainur Robiyanti, Dewi Saharani, Della Putri Sahid, Muhammad Salahuddin Salahuddin Samah, Eri Setiyawan, Rinto Sibuea, Nunti Siti Aminah Hasibuan Susiana, Ilta Syaiful Khoiri Harahap Tanjung, Ali Mukti Tanjung, Yulia Tiara Taufika Hidayati Teja Rinanda Tulim, Anto Yasutome, Takako Yulianti, Anysiah Elly Yulkarnaini Siregar Yusri Yusri Yusuf Hanafi