Legal Responsibility Towards Cust Omersexperiencing Bad Debt at PT. Bank BJB Plered

Albi Shifada, Bambang Tri Bawono, Umar Maruf

Abstract


Abstract. The aim of the research is to find out and analyze about legal responsibility towards customers who experience bad debts at Bank BJB Plered and to find out and analyze efforts to resolve bad debts of customers at Bank BJB Plered.The approach method that will be used in this research is the method qualitative approach, qualitative data method is a research method that produces analytical descriptive data, namely what is stated by respondents in writing or verbally and also their real behavior, is researched and studied as a whole. The research results illustrate a common situation in the banking world, particularly in the credit sector. When a bank grants a loan to a debtor, there is a risk that the debtor will not fulfill the obligations agreed upon in the credit agreement. When a debtor fails to pay or fulfills their obligations within the agreed timeframe without a legally acceptable reason, this is referred to as "default." In the event of default, the bank, as the creditor, has the right to take legal action against the debtor. From a civil law perspective, current economic developments increasingly emphasize the important role of banks as financial institutions with a strategic role in maintaining economic stability and growth. Banks' primary task is to collect funds from the public in the form of deposits and then distribute them back to the public, including entrepreneurs, through credit.

Keywords: Bad Debt; Debtor's Responsibility; Default.


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