Akibat Hukum Pelanggaran Prinsip Kehati-Hatian Dalam Pemberian Kredit Bank (Studi Kasus Putusan Nomor 74/Pid.Sus/TPK/2018/PN.Bdg)

Cahyono, Henry Ananto (2021) Akibat Hukum Pelanggaran Prinsip Kehati-Hatian Dalam Pemberian Kredit Bank (Studi Kasus Putusan Nomor 74/Pid.Sus/TPK/2018/PN.Bdg). S2 thesis, Universitas Kristen Indonesia.

	Text (HalJudulDaftarIsiDaftarAbstrak.pdf) HalJudulDaftarIsiDaftarTabelAbstrak.PDF Available under License Creative Commons Attribution Non-commercial Share Alike. Download (973kB)
	Text (BABI.pdf) BABI.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (882kB)
	Text (BABII.pdf) BABII.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
	Text (BABIII.pdf) BABIII.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (804kB)
	Text (BABIV.pdf) BABIV.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (1MB)
	Text (BABV.pdf) BABV.pdf.pdf Restricted to Registered users only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (344kB)
	Text (DaftarPustaka.pdf) DaftarPustaka.pdf.pdf Available under License Creative Commons Attribution Non-commercial Share Alike. Download (339kB)
	Text (Lampiran.pdf) Lampiran.pdf.pdf Restricted to Repository staff only Available under License Creative Commons Attribution Non-commercial Share Alike. Download (2MB)

Abstract

Setiap pemberian kredit bank selalu terdapat risiko, sehingga dalam menjalankan usahanya bank harus berpedoman dan menerapkan prinsip kehati-hatian. Prinsip kehati-hatian adalah prinsip yang menyatakan bahwa bank dalam menjalankan fungsi dan kegiatan utamanya wajib bersikap hati-hati (prudent) dalam rangka melindungi dana masyarakat yang dipercayakan kepadanya. Tidak diterapkannya prinsip kehati-hatian yang baik dalam penyaluran kredit maka hal tersebut dapat menimbulkan resiko dan permasalahan hukum. Dalam penelitian ini terdapat 2 (dua) hal yang menjadi dasar penelitian yaitu (1) bagaimana prinsip kehati-hatian dalam pemberian kredit bank dan (2) bagaimana akibat hukum pelanggaran prinsip kehati-hatian dalam pemberian kredit bank pada Putusan Nomor: 74/ Pid.Sus /TPK/ 2018/ PN. Bdg. Jenis penelitian yuridis normatif yaitu pendekatan yang mengacu pada asas-asas hukum dan peraturan perundang-undangan yang berlaku. Pelaksanaan prinsip kehati-hatian dalam pemberian kredit perbankan adalah terpenuhinya prinsip 5C, yaitu character, capacity, capital, condition, collateral. Kasus pemberian kredit Bank Mandiri Commercial Banking Center Bandung I terhadap debiturnya PT. Tirta Amarta Bottling Company mengabaikan prinsip kehati-hatian, dan hal yang paling krusial yaitu kebenaran jaminan (collateral) yang berakibat terjadi permasalahan hukum tindak pidana korupsi. Fungsi jaminan dalam prinsip kehati-hatian berfungsi sebagai pegangan pihak bank. apabila terjadi resiko wanprestasi, bank dapat menjual jaminan sebagai pengganti pinjaman yang telah diberikan. Penyelesaian pelanggaran prinsip kehati-hatian dalam pemberian kredit pada putusan nomor 74/ Pid.Sus/TPK/2018/PN.Bdg adalah berupa konsep ganti rugi akibat adanya perbuatan melawan hukum berdasarkan doktrin assumption of risk (doktrin asumsi risiko) dan doktrin comparative negligence (doktrin kelalaian komparatif). Ganti rugi tersebut dapat diwujudkan melalui tuntutan ganti rugi yang aktual, tuntutan ganti rugi yang berhubungan dengan tekanan mental, tuntutan ganti rugi yang akan datang, dan tuntutan ganti rugi penghukuman dengan laporan tindak pidana pencucian uang sebagaimana diatur dalam Pasal 2 ayat (1) huruf r Undang-Undang Nomor 8 Tahun 2010 tentang Pencegahan dan Pemberantasan Tindak Pidana Pencucian Uang./There is always a risk in providing bank credit, so that in carrying out its business, banks must be guided and apply the principle of prudence. The precautionary principle is the principle that banks in carrying out their main functions and activities must act prudently in order to protect public funds entrusted to them. Not applying the principle of good prudence in lending, this can lead to risks and legal problems. In this study, there are 2 (two) things that form the basis of the research, namely (1) how is the principle of prudence in providing bank credit and (2) what are the legal consequences of violating the principle of prudence in providing bank credit in Decision Number: 74/Pid. Sus / TPK / 2018 / PN. cf. The type of normative juridical research is an approach that refers to the principles of law and applicable laws and regulations. The implementation of the prudential principle in the provision of bank credit is the fulfillment of the 5C principles, namely character, capacity, capital, condition, collateral. The case of giving credit to the Bank Mandiri Commercial Banking Center Bandung I to the debtor PT. Tirta Amarta Bottling Company ignores the precautionary principle, and the most crucial thing is the truth of collateral (collateral) which results in legal problems for corruption. The guarantee function in the prudential principle serves as a guide for the bank. if there is a risk of default, the bank can sell the guarantee as a substitute for the loan that has been given. The settlement of the violation of the precautionary principle in providing credit in decision number 74/Pid.Sus/TPK/2018/PN.Bdg is in the form of a concept of compensation due to an unlawful act based on the assumption of risk doctrine and the comparative Negligence doctrine. doctrine of comparative negligence). Such compensation can be realized through actual claims for compensation, claims for compensation related to mental stress, claims for future compensation, and claims for punitive damages with reports of money laundering crimes as regulated in Article 2 paragraph (1) letter r Law Number 8 of 2010 concerning Prevention and Eradication of the Crime of Money Laundering.

Actions (login required)

View Item