PENYELESAIAN KREDIT MACET PADA DEBITUR YANG MENYERTAKAN JAMINAN SURAT KEPUTUSAN (SK) PEGAWAI SWASTA DI PT BANK PERKREDITAN RAKYAT UNISRITAMA

Abstract

The problem that the author raises in this thesis is how to resolve bad loans with the guarantee of a Private Employee Decree (SK) at PT Bank Perkreditan Rakyat Unisritama and what are the obstacles faced by PT Bank Perkreditan Rakyat Unisritama in resolving bad loans with a Guarantee Letter (SK) for Private Employees . Judging from its type, this research is classified into Sociological Law research, namely research conducted by the author directly to the research location to obtain materials, data and information related to this research, while judging from the nature of this research, this research is descriptive analytical in nature, namely providing an overview an incident that occurred clearly and in detail regarding bad credit to the debtor which included a guarantee letter (SK) for private employees at PT Bank Perkreditan Rakyat Unisritama. From the results of the study it can be concluded that the settlement of bad loans with collateral (SK) for private employees at PT Bank Perkreditan Rakyat Unisritama is by first: applying the principle of deliberation and consensus, through credit restructuring, in practice this method is not successful because to be able to apply it requires the good will of debtors, lengthy procedures, and a long time because the 3R feasibility assessment must be carried out first. Second: subpoena, subpoena is given 3 times to the debtor, but subpoena here does not give coercive legal consequences for the debtor, so that if the subpoena is ignored, the creditor cannot force it. Third: a lawsuit to the district court, can be carried out if there is no longer good faith from the debtor.