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All Journal Majalah Ilmiah Teknologi Elektro Techno Nusa Mandiri : Journal of Computing and Information Technology Jurnal Sains Indonesia Buletin Ilmiah Ilmu Komputer dan Multimedia (BIIKMA) APPA : Jurnal Pengabdian Kepada Masyarakat TEKNOBIS : Jurnal Teknologi, Bisnis dan Pendidikan Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Majalah Ilmiah Teknologi Elektro Journal of Cultural Relativism (JCR)
Ilham Fauzi
Unknown Affiliation
Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Social Sciences Other

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Penyelesaian Kredit Bermasalah Menurut Undang – Undang (UU) No. 10 Tahun 1998 Arya Rizqy R; Ilham Fauzi
Journal of Cultural Relativism (JCR) Vol. 1 No. 02 (2024): Journal of Cultural Relativism (JCR)
Publisher : CV Edujavare Publishing

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Abstract

Banks are financial institutions that have an important role in the economy by providing financial services to the public. Its main function includes collecting funds from the community through various products such as savings and deposits, as well as channeling these funds back in the form of credit or loans to the community. The aim of this research is to find out the credit application procedure involves various stages of inspection and verification to ensure the debtor's suitability. In this writing regarding the resolution of problem (bad) credit using a normative legal approach (legislation), whether the handling of bad credit can be resolved through a mediative model, or must it be resolved through legal process (court). In principle, granting credit starts from submitting an application by the customer (potential debtor) through a credit application letter to the creditor (bank). This application letter functions as proof that the prospective debtor has initiated a transaction for the planned disbursement of loan funds in the form of credit. Next, this process is followed by fulfilling various subjective and objective requirements. If bad credit occurs because the debtor does not carry out its achievements as stated in the credit agreement, then before executing the collateral, the debtor must first be declared in default, which is done through a court decision.
Co-Authors Abdul Fattah Kholid Ai Imas Faidoh Fatimah Anis Ilahi Putri Arya Rizqy R Auliyah Ariani Dedi Dwi Saputra Dimas Nurfadilah Dwi Santosa Ermita Surya Douanna Ervina Ervina Fita Sefriana Ghaisya Raihana Ghina Amanda Kamila Haryono, Wasis Husyairi, Khoirul Aziz I Made Esa Darmayasa Adi Putra I Made Putra Arya Winata I Wayan Widhiada I.M.E. Darmayasa Adiputra I.M.P. Arya Winata I.W. Widhiada Idham Nursyifa Hadiansyah Indra Lukman Syah Insoo Chang Ira Setiawati Karuna Sindhu Krishna Prasad Kihwan Hong Kitai Kang Kresna Lazani T Latifa Suwari Fadilla Muhammad Ayub Yunus Muhammad Reynaldo Oktaviano Nurhaliza Zahra Puteri Maharani Putri Sakti Fujiyanti A. Rafli Kurnia Muslim Rahmat Hidayat Rahmat Ramdani Rahyani Ermawati Raisa Fasya Rizky Nugraha Pratama Santi Rahayu Taufiq Muhaziz Tina Nur Ainun Viona Kesya Sundari Yesy Komala Sari