Gadai Deposito Sebagai Jaminan Kredit (Studi Kasus Bank Tabungan Negara Cabang Solo) - Dina Mardika Ramadani (Universitas Islam Indonesia, 2021)
This study aims to determine, first, the implementation of credit agreements with deposit guarantees, whether the binding of time deposit guarantees is an accessoir agreement in credit guarantees and second, how is the legal settlement when there is a default at the Solo Branch of Bank Tabungan Negara (BTN). This research uses a juridical-empirical approach with both field and literature studies and is carried out by describing and reporting in detail and systematically about pawn deposits as credit guarantees at the Solo Branch of BTN. The results of the study concluded is first, the implementation of a credit agreement with a deposit guarantee at the Solo Branch of BTN is by: (1) the credit applicant fills out and signs a self-financing loan application form; (2) Preparation and signing of the Self-funding Credit Agreement and power of attorney; (3) The submission of the deposit slip is followed by the making and signing of the deed of pledge of deposit; (4) if all of the above documents are considered complete and perfect, an Approval for the Provision of Self-funding Credit is given and the credit applicant signs a Statement Letter; and (5) Loan disbursement by transferring to the debtor's savings account. Second, The binding of deposit guarantees is an accessoir agreement within the scope of credit guarantees, namely agreements that depend on the main agreement (i.e. credit agreements). Third, the legal settlement taken by the Solo Branch of BTN in the event of a default from the debtor is to implement the contents of the self-financing credit agreement and the pledge of deposit deed.Key Words: Credit agreement; default; deposit guaranteeAbstrakPenelitian ini bertujuan untuk mengetahui, pertama, pelaksanaan perjanjian kredit dengan jaminan deposito, apakah pengikatan jaminan deposito berjangka merupakan perjanjian accessoir dalam jaminan kredit, dan kedua, bagaimana penyelesaian hukumnya ketika terjadi wanprestasi di Bank Tabungan Negara Cabang Solo. Penelitian ini menggunakan pendekatan yuridis-empiris dengan studi lapangan maupun studi pustaka dan dilakukan dengan cara menggambarkan dan melaporkan secara rinci dan sistematis mengenai gadai deposito sebagai jaminan kredit pada Bank Tabungan Negara Cabang Solo. Hasil penelitian menyimpulkan pertama, bahwa pelaksanaan perjanjian kredit dengan jaminan deposito di Bank Tabungan Negara Cabang Solo dengan cara: (1) pemohon kredit mengisi dan menandatangani formulir permohonan kredit swadana; (2) Pembuatan dan penandatanganan Perjanjian Kredit Swadana dan surat kuasa; (3) Penyerahan bilyet deposito diikuti pembuatan dan penandatanganan akta gadai deposito; (4) semua berkas di atas apabila sudah dianggap lengkap dan sempurna maka diberikanlah Persetujuan Pemberian Kredit Swadana dan pemohon kredit menandatangani Surat Pernyataan; dan (5) Pencairan kredit dengan cara mentransfer ke rekening tabungan debitur. Kedua, Pengikatan jaminan deposito merupakan perjanjian accessoir dalam lingkup jaminan kredit, yaitu perjanjian yang bergantung pada perjanjian pokoknya (yakni perjanjian kredit). Ketiga, penyelesaian hukum yang ditempuh Bank Tabungan Negara Cabang Solo jika terjadi wanprestasai dari debiturnya yaitu dengan melaksanakan isi dari perjanjian kredit swadana dan akta gadai deposito.Kata Kunci: Jaminan deposito; perjanjian kredit; wanprestasi