Prinsip Kehati-hatian dalam Pemberian Kredit Melalui Produk Pinjaman Untuk Usaha Mikro,Kecil,Menengah Oleh Bank Central Asia

Natasya, (2020) Prinsip Kehati-hatian dalam Pemberian Kredit Melalui Produk Pinjaman Untuk Usaha Mikro,Kecil,Menengah Oleh Bank Central Asia. S1 thesis, Universitas Kristen Indonesia.

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Abstract

Bank menjadi sektor yang penting dalam pertumbuhan perekonomian suatu negara, selain itu dalam kehidupan bermasyarakat di era globalisasi ini tidak bisa lepas dari peran bank. Usaha yang dilakukan oleh bank menjadi beraneka ragam mengikuti kebutuhan dan keinginan dari masyarakat yang semakin berkembang, dari sekian banyak usaha yang dilakukan oleh bank kredit tetap menjadi usaha bank yang menguntungkan dan risaiko yang besar. Selain itu UMKM merupakan sektor pendukung perekonomian disuatu negara yang menerima dana dari Bank. Penelitian ini merupakan penelitian kepustakaan yang bersifat yuridis normative, sumber data yang digunakan berasal dari bahan hukum ketentuan peraturan perundang-undangan, buku, dan internet serta mengunakan analisis data deskriptif kualitatif. Hasil dari penelitian adalah prinsip kehati-hatian tersebar ke dalam berbagai ketentuan peraturan perundang-undangan yaitu Undang-Undang, Peraturan Bank Indonesia, dan Peraturan OJK. BCA telah melaksanakan usahanya berbasarkan ketentuan perundang-undangan yang berlaku walaupun masih ada kekurangan jumlah dalam penyaluran kredit kepada UMKM. Kata Kunci : Hukum perbankan, prinsip kehati-hatian, UMKM Banks are an important sector in a country's economic growth, besides that in social life in this globalization era it cannot be separated from the role of banks. The business undertaken by banks has become diverse following the needs and desires of a growing community, from the many businesses undertaken by credit banks continue to be profitable and large-scale bank businesses. In addition, MSMEs are an economic support sector in a country that receives funding from banks. This research is a normative juridical library research, the source of the data used comes from legal material provisions of the legislation, books, and the internet and uses descriptive qualitative data analysis. The result of this research is that the precautionary principle is spread into various statutory provisions, namely the Law, Bank Indonesia Regulations and OJK Regulations. BCA has conducted its business based on the applicable laws and regulations, although there is still a shortage in the amount of credit extended to MSMEs. Keywords : Banking Law, Prudentual Banking Principle, MSMEs

Item Type: Thesis (S1)
Contributors:
ContributionContributorsNIDN/NIDKEmail
Thesis advisorWidyani, I Dewa AyuUNSPECIFIEDUNSPECIFIED
Thesis advisorSitumeang, TomsonUNSPECIFIEDUNSPECIFIED
Subjects: SOCIAL SCIENCES > Finance > Credit. Debt. Loans Including credit institutions, credit instruments, consumer credit, bank- ruptcy
LAW > Law in general. Comparative and uniform law. Jurisprudence > Comparative law. International uniform law > Commercial law > Commercial contracts > Banking
Divisions: FAKULTAS HUKUM > Ilmu Hukum
Depositing User: Mr Alexander Jeremia
Date Deposited: 30 Mar 2020 04:20
Last Modified: 30 Mar 2020 04:20
URI: http://repository.uki.ac.id/id/eprint/1384

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