Penerapan prinsip kehati-hatian dalam penyaluran kredit pada PT. Bank Perkreditan Rakyat Handayani Cipta Sejahtera di Kabupaten Wajo

HANISE, Muhammad Mansur, Prof. Dr. Sudjito, S.H., M.Si

2008 | Tesis | S2 Magister Kenotariatan

Penelitian ini dimaksudkan untuk menjawab permasalahan : bagaimana penerapan prinsip kehati-hatian pada PT. Bank Perkreditan Rakyat Handayani Cipta Sejahtera di Kabupaten Wajo; dan untuk mengetahui tindakan apa yang dilakukan bank jika terjadi kredit bermasalah. Penelitian ini bersifat analisis deskriptif dengan pendekatan Yuridis-empiris. Selain itu, untuk melengkapai data juga dilihat melalui studi kepustakaan (dokumen), yakni semua ketentuan perundang-undangan dan kebijakan yang berhubungan dengan obyek penelitian.Penelitian empiris dilakukan berupa wawancara terhadap 1 orang notaris, 2 unsur Pimpinan Pengawas BI Sub Sektor BPR se-Sulawesi Selatan dan 7 narasumber nasabah debitur ditambah 7 nasabah penabung serta beberapa responden dari unsur pimpinan pada PT.BPR Handayani Cipta Sejahtera. Data-data tersebut kemudian diolah dengan cara editing, koditing dan tabulasi dengan metode kualitatif yang bersifat purposive sampling, yaitu penggambaran makro ke yang khusus. Menurut hasil penelitian yang diperoleh, ternyata penerapan prinsip kehatihatian pada PT. BPR Handayani Cipta Sejahtera di Kabupaten Wajo Sulawesi Selatan telah diterapkan sebagaimana mestinya sesuai amanat Pasal 8 ayat (1) Undang-Undang Nomor 10 Tahun 1998 tentang Undang-Undang Perbankan. Pendekatan persuasif yang dilakukan oleh bank kepada nasabahnya ternyata dapat meningkatkan kredibilitas bank dan tersalurnya dana bank kepada masyarakat secara merata sesuai amanat Undang-Undang Nomor 10 tahun 1998. Pendekatan persuasif dan iktikad baik yang benar dapat pula menciptakan kesepahaman (mutatis-mutandis) yang saling menguntungkan antar pihak bank dan nasabah.

The research aimed at identifying the implementation of prudent banking principles in PT. Perkreditan Rakyat Handayani Cipta Sejahtera of Wajo District as well as at identifying what the action of the bank had been doing, if happened non performing credits. The research was descriptive approach was conducted through desk research into documents, namely legal regulations and policies related to the object of the research. The empirical approach was carried out through an interview with 1 notarii, 2 leadership of supervisor at that all, 7 debtor and 7 depositors as well as with the chairperson of PT. Bank Perkreditan Rakyat Handayani Cipta Sejahtera of Wajo District. The data collected were than treated with editing, conditing, and tabulating by appliying a method of purposive sampling moving from the macro description to the specific. The research results indicated that prudent banking principles had been implemented in compliance with the Article 8 (1) of Law Number 10 Year 1998 on Banking. What the action had been doing these is bank if happen the proplem loan.The persuasive approach had been doing by bank to its customers proved to have improved the credibility of the bank as well as the fair distribution of found to the people as advocated by the law. Persuasive approach and goodfaith infactual Well-defined had also created mutually benefical understanding (mutatis-mutandis) by bank and customer.

Kata Kunci : Prinsip kehati,hatian,Tindakan persuasif bank,prudent banking principles,The action of persuasive bank