UPAYA PENYELESAIAN KREDIT MACET PADA FASILITAS PINJAMAN KHUSUS PEKERJA TETAP BANK RAKYAT INDONESIA: STUDI KASUS PADA BANK RAKYAT INDONESIA CABANG YOGYAKARTA KATAMSO

AHMAD KHAIRUN HAMRANY, Pitaya S.H., M.Hum.

2015 | Tesis | S2 Kenotariatan

Penelitian tentang upaya penyelesaian kredit macet pada fasilitas pinjaman khusus pekerja tetap Bank Rakyat Indonesia (studi kasus pada Bank Rakyat Indonesia Cabang Yogyakarta Katamso) bertujuan untuk mengetahui upaya penyelesaian kredit macet pada fasilitas pinjaman khusus pekerja tetap Bank Rakyat Indonesia di Bank Rakyat Indonesia Kantor Cabang Yogyakarta Katamso. Penelitian ini merupakan Penelitian Yuridis Empiris yaitu penelitian yang dilakukan dengan cara meneliti bahan sekunder, untuk kemudian dilanjutkan dengan penelitian data primer di lapangan terhadap masyarakat. kemudian untuk melengkapi penelitian bahan pustaka tersebut maka dilakukan penelitian lapangan untuk memperoleh data primer. Data yang digunakan adalah data sekunder dan data primer. Data sekunder diperoleh dari studi bahan pustaka sedangkan data primer diperoleh melalui wawancara dengan responden. Data yang diperoleh selanjutnya dianalisis dengan Metode Deskriptif Analitis. Hasil penelitian yang diperoleh menunjukan bahwa penyelesaian kredit macet pada fasilitas pinjaman khusus pekerja tetap Bank Rakyat Indonesia Kantor Cabang Yogyakarta Katamso dilakukan melalui upaya : 1) Menghubungi dan meminta kepada Pekerja terkena pemutusan hubungan kerja (PHK) untuk datang ke kantor BRI Kanca Katamso Yogyakarta guna melunasi secara langsung angsuran atau tunggakan atas fasilitas pinjaman yang pernah diterimanya atau meminta yang bersangkutan untuk mengurus dan menyelesaikan sendiri terlebih dahulu akan hak-haknya yang seharusnya ia terima selaku pekerja yang terkena PHK, 2) Tindakan hukum bank yaitu tindakan hukum yang dilakukan sendiri oleh BRI Kanca Yogyakarta Katamso melalui instrumen hukum yang diberikan oleh pekerja BRI kepada BRI, guna memperoleh pelunasan pinjaman dengan cara mencairkan/mengambil dan menerima hak-hak pekerja BRI terkena PHK tersebut, 3) Pengambilan dana cadangan kerugian fasilitas pinjaman yaitu sejumlah dana yang wajib disetorkan dan dibayarkan sekaligus oleh setiap pekerja penerima fasilitas pinjaman sebesar 1% dari fasilitas pinjaman pekerja yang diterimanya ke buku rekening cadangan kerugian fasilitas pinjaman. Kata Kunci : Penyelesaian, Perjanjian, Kredit Macet.

The aim of research concerning efforts of bad credit settlement on special loan facility for permanent employee at Indonesian People Bank (Case Study at Indonesian People Bank of Yogyakarta Katamso Branch) is to discover the efforts of bad credit settlement on special facility for permanent employee of Indonesian People Bank at Indonesian people Bank of Yogyakarta Katamso Branch. This research is a Juridical Empirical Research, which is a research based on secondary data, to derive primary data. Research to obtain this secondary data is the main research, to complete the literary research it was performed a field research to derive a primary data. The data being used in this research was secondary and primary data. Secondary data was derived by study of library materials whereas the primary data was derived by performing interviews with selected respondents. The collected data will be analyzed afterwards by using Analytical Descriptive Method. Result of the research suggests that the settlement of bad credit on special loan facility for permanent employee at Indonesian People Bank of Yogyakarta Katamso Branch was performed by numerous efforts such as: 1) Contact and request the Employee who suffered the termination of employment to visit the Indonesian People Bank (BRI) of Yogyakarta Katamso Branch to pay off directly the installment on the loan facility they was once received or ask the concerned to previously manage and resolve by themselves their rights which they received as an employee who suffered a termination of employment, 2) The legal action of the bank is a legal action performed by the bank itself through legal instrument given by the bank’s employee to the bank, the bank referred here is the Indonesian People Bank of Yogyakarta Katamso Branch, to derive loan repayment by disbursing/taking and receiving the bank employee’s rights who suffered the termination of employment, 3) The withdrawal of loss reserve fund of loan facility, it is number of fund which shall be deposited and paid all at once by every employee who receives the loan facility amounted to 1% from employee loan facility they received to the account books of loss reserve of loan facility. Key Words: Settlement, Agreement, Bad Credit.

Kata Kunci : Penyelesaian, Perjanjian, Kredit Macet; Settlement, Agreement, Bad Credit