PELAKSANAAN PERJANJIAN KREDIT SERBAGUNA MIKRO DENGAN JAMINAN SURAT PENGANGKATAN PEGAWAI NEGERI SIPIL (SK PNS)
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Institusion
Universitas Muhammadiyah Mataram
Author
YUDHI, HIMAWAN MAWARDI
Subject
340 Hukum
Datestamp
2021-07-14 03:17:13
Abstract :
Credit in banking activities is the most important business activity, because the biggest income from bank business is derived from income from credit business activities, in the form of interest and provision. According to the provisions of Law Number 10 of 1998 concerning Banking, this research aims to find out the Juridical Review of the Multipurpose Credit Agreement for PNS Decree Guarantee in Banks and to determine the legal consequences for the object of collateral if the PNS is terminated. The approach method used in this research is the Legislative Approach and Analytic Approach is an approach with observation to state the reality and in the form of an attempt to describe in scientific words. The results of this study are that lending activities generally require debt guarantees or what is called collateral. in the form of securities as well as valuable securities in which inherent claim rights, such as shares, securities, decision letters, appointment of civil servants (SK PNS) or in the form of civil servant retirement decisions, and others as well as legal consequences for object of collateral if the civil servant is dismissed In principle, even if the status of civil servants is terminated, the obligation to the bank can still be carried out until the time the agreement ends because the credit is still paid / repaid with the wealth owned by the debtor until the credit can be repaid.
Credit in banking activities is the most important business activity, because the biggest income from bank business is derived from income from credit business activities, in the form of interest and provision. According to the provisions of Law Number 10 of 1998 concerning Banking, this research aims to find out the Juridical Review of the Multipurpose Credit Agreement for PNS Decree Guarantee in Banks and to determine the legal consequences for the object of collateral if the PNS is terminated. The approach method used in this research is the Legislative Approach and Analytic Approach is an approach with observation to state the reality and in the form of an attempt to describe in scientific words. The results of this study are that lending activities generally require debt guarantees or what is called collateral. in the form of securities as well as valuable securities in which inherent claim rights, such as shares, securities, decision letters, appointment of civil servants (SK PNS) or in the form of civil servant retirement decisions, and others as well as legal consequences for object of collateral if the civil servant is dismissed In principle, even if the status of civil servants is terminated, the obligation to the bank can still be carried out until the time the agreement ends because the credit is still paid / repaid with the wealth owned by the debtor until the credit can be repaid.
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