Ketentuan kehati-hatian bank; Keharusan dan kenyataan dalam pelaksanaannya :: Studi kasus Bank Mandiri

YULIATRI, Irene, Prof.Dr. Nindyo Pramono, SH.,MS

2004 | Tesis | S2 Ilmu Hukum (Magister Hukum Bisnis)

Penelitaian tentang ketentuan kehati-hatian bank: keharusan dan kenyataan dalam pelaksanaannya, ini menggunakan pendekatan yuridis normative yang meliputi penelitian terhadap penerapan prinsip kehati-hatian. Masalah dalam penelitian adalah, bagaimanakah pelaksanaan ketentuan kehati-hatian dalam operasional bank dan bagaimana criteria penyimpangan dalam pelaksanaan ketentuan kehati-hatian dalam pemberian kredit. Data yang digunakan dalam penelitian ini adalah data sekunder dan data primer. Data sekunder diperoleh dengan cara meneliti bahan pustaka. Disamping penelitian kepustakaan, penulis juga akan melakukan penelitian lapangan. Penelitian lapangan diharapkan dapat melengkapi dan menunjang data yang diperoleh dari penelitian kepustakaan. Yang akan menjadi sasaran dari penelitian iini pejabat atau staff dari Bnak Mandiri dan Bank Indonesia yang terkait dengan penelitian ini. Dari hasil penelitian diketahui bahwa pelaksanaan penerapan prinsip kehati-hatian Bank Mandiri cukup baik dan komprehensif, yaitu dengan telah menerapkan asas Prisip 5 C’s yaitu: 1. Penilaian watak (Character) 2. Penilaian kemampuan (Capability) 3. Penilaian terhadap modal (Capital) 4. Penilaian terhadap agunan (Collateral) 5. Penilaian terhadap prospek usaha (Condition of economic) Serta penerapan aspek-aspek pertimbangan dari pemberian kredit yaitu, aspek umum dan mamjerial, aspek tehnis, aspek ekonomis dan komersial, aspek financial, aspek agunan

The research on bank prudence rule: ideal requirement and reality in its implementation adopted a juridical normative approach. The scope of the research was the implementation of prudence rule. The statement of the problem was how the prudence rule is implemented in the operation of bank and what criteria are used to determine violations against prudence rule in credit disbursement. The research used secondary and primary data. Secondary data were obtained from library research and primary data were obtain from field research. Primary data were intended to complete and support data from library research. The subjects of the research were high ranking officials or staffs of Mandiri Bank and the Bank of Indonesia who are relevant with this research. related with this research. The research result reveal that the implementation of prudence principle by Bank Mandiri have been good and comprehensive, that is, by implementing the 5 C’s Principles which are: 1. Character assessment 2. Capability assessment 3. Capital assessment 4. Collateral assessment 5. Condition of economic assessment The bank has also implemented aspects of consideration for credit disbursement, namely general and managerial aspect, technical aspect, economic and commercial aspect, financial aspect, and collateral aspect.

Kata Kunci : Hukum Perbankan,Kredit,Prinsip Kehati,hatian, prudence principle, credit