ANALISIS HUKUM ATAS PENERAPAN JAMINAN PERUSAHAAN (CORPORATE GUARANTEE) TERHADAP PEMBERIAN KREDIT DI PT. BANK DANAMON INDONESIA, Tbk CABANG BANJARMASIN

Saibana, Prof. Dr. Siti Ismijati Jenie, S.H., C.N.

2011 | Tesis | S2 Magister Kenotariatan

Penelitian ini dimaksudkan untuk mengetahui penerapan Jaminan Perusahaan ( Corporate Guarantee) terhadap pemberian kredit, serta untuk mengetahui efektivitas Jaminan Perusahaan ( Corporate Guarantee) dalam menjamin penyelesaian kredit macet di PT. Bank Danamon Indonesia, Tbk. Cabang Banjarmasin. Penelitian tesis ini merupakan penelitian hukum yuridis empiris, yaitu penelitian berdasarkan pelaksanaan dilapangan guna mengungkapkan fakta-fakta yang sebenarnya. Data dalam penelitian ini diperoleh melalui penelitian kepustakaan dan penelitian lapangan. Data sekunder diperoleh melalui literatur, dan peraturan perundang-undangan. Data primer diperoleh dengan metode wawancara secara langsung dengan responden baik dengan cara terstruktur maupun tidak terstruktur. Dari kedua data yang diperoleh dianalisis secara kualitatif, dan diketahui bahwa Jaminan Perusahaan (Corporate Guarantee) hanya diterapkan untuk segmen tertentu serta tujuan penggunaan kredit tersebut untuk modal kerja dan Investasi Jaminan Perusahaan (Corporate Guarantee) kurang dapat menjamin penyelesaian kredit macet , pembuatannya hanya untuk menambah keyakinan bank terhadap pemberian kredit , dianggap sebagai kewajiban moral dari penjamin untuk menyelesaian kewajiban debitur karena ingin menjaga nama baik (image) perusahaan. Hal ini terbukti hingga saat ini Bank Danamon belum pernah melakukan gugatan terhadap pemberi jaminan perusahaan (Corporate Guarantee) ke Pengadilan Negeri, Sebenarnya perjanjian Jaminan Perusahaan ( Corporate Guarantee ) bukanlah perjanjian Moral Obligation , tetapi merupakan perjanjian yang dapat dimintakan pertanggungjawaban bahkan dapat dituntut pemenuhannya secara hukum.

The research was aimed to identify the implementation of Corporate Guarantee for the loan provided and the effectiveness of Corporate Guarantee in securing the settlement of bad loans in PT. Bank Danamon Indonesia, Tbk. Banjarmasin Branch. This was a juridical empirical legal research, namely, a research based on the implementation in the field to reveal the true facts. The data in this research were gathered through library research and field study. The secondary data were obtained from literatures and legal regulations. The primary data were collected through structured and unstructured direct interviews carried out with respondents. Both types of data collected were qualitatively analyzed; it was identified that Corporate Guarantee was only applied to particular customer segments and the purpose of the credit for working capital and investment only. Also, it was found that the Corporate Guarantee was less able to guarantee the settlement of bad loans; the issuance of the guarantee was only aimed to improve higher confidence of the lending bank, and it was considered as the moral obligation of the guarantor to settle the debtors’ obligations in keeping good image of the company. This is proved that to this date Bank Danamon has not submitted any claim against Corporate Guarantee to the State Court. In fact, Corporate Guarantee is not a Moral Obligation-based agreement; rather, it is agreement valid for accountantibility and even it is possible for legal prosecution.

Kata Kunci : Jaminan Perusahaan (Corporate Guarantee), Penerapan dan Penyelesaian , Kredit Macet.