IMPLEMENTATION OF PROVIDING CREDIT WITH COLLATERAL RIGHTS TO DEBTORS PT. BANK RAKYAT INDONESIA PERSERO TBK. KOLAKA BRANCH, SOUTHEAST SULAWESI

Santi Bunga

Abstract


In order to maintain the continuity of this development, the actors of which include both the government and the community as individuals and legal entities, large amounts of funds are needed. One of the facilities that has a strategic role in procuring these funds is banking. Various financial institutions, especially conventional banks, have helped fulfill the need for funds for economic activities by providing money loans, among others in the form of bank loans. To answer the writing questions that have been formulated above, the authors will use the normative research method. Lending by PT. Bank Rakyat Indonesia is based on the principle of prudence, namely the bank must act carefully in determining who should be given credit and how much amount of credit given after knowing the guarantee provided by the prospective debtor. The bank must also ensure that the agreement made with the prospective debtor is flawless and fulfills the legal terms of the agreement. The making of the Mortgage Granting Deed aims to register land rights that are burdened with Mortgage Rights so that legal certainty is guaranteed, both covering certainty regarding the subject of the rights and the object of the rights.

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DOI: http://dx.doi.org/10.26532/pdih.v4i4.29660

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