Bank’s Legal Actions on Lending Issue Against the Annulment of Debtor’s Marriage

Andika Persada Putera (Universitas Hang Tuah)

Hang Tuah Law Journal
VOLUME 3 ISSUE 2, OCTOBER 2019

The primary function of Indonesia bank as the collector and distributor of people fund in the form of saving and credit account makes them become a financial agent that bridges surplus unit with deficit unit. Generally, credit is classified into two kinds; commercial and consumer credit. It will be affected due to abrogation of debtor settlement. Although the agreement of credit is not immediately nulled, it needs such a legal action as the solution. Three alternative legal action that bank may consider are: asking for credit settlement at one time, making novation, or letting it out as long as the credit installments are regularly paid. Therefore, this study is a juridical-normative research using both statute and conceptual approaches.