1. Home
  2. Lainnya

Perlindungan Hukum Terhadap Kreditor Pemegang Jaminan Surat Perintah Kerja (SPK) Ditinjau Dari Undang-Undang Perbankan dan Hukum Jaminan.

LEGAL PROTECTION FOR CREDITOR WHO USE WORK-ORDER
LETTER (SPK) AS COLLATERAL ANALYZED BY BANKING ACT AND
COLLATERAL LAWS

ABSTRACT

Banking is one of industries that growing as a consequence of
modernity. Bank has two functions: intermediary function and economic
distribution function. In regard to the intermediation function, the bank
offers loans to potential costumers that have eligibility to pay back. The
bank requests guarantee when a costumer asks for loan. A guarantee is
needed to create secured environment for the bank. In this case, one of
objects that can be used as a guarantee is Work-Order Letter (SPK). In
Indonesia, Bank Tabungan Negara, Ltd or BTN is one of the banks that
accepts SPK as guarantee. BTN classifies SPK as Material Guarantee. In
providing loan, the bank has always to be guided by prudential banking
principle. This process aims to minimize the unexpected risks. Besides,
the loan provision has also to be guided by the Act number 7 of 1992 on
Banking that has been revised by the Act number 10 of 1998, as well as
collateral regulation.
This project applies Normative-Juridical as research method.

Therefore, this project discusses doctrines or principles within law studies
and also refers to the norms in regulations, verdicts, and society. This
project also views synchronization between a regulation and other
regulations hierarchically.
This project finds that SPK is not a part of securities but it remains
can be used as guarantee since the SPK contains economic values.
Further, if a bank experiences a bad credit due to the usage of SPK as
guarantee, the bank can work the 3R principles (rescheduling,
reconditioning and resturcturing) out. If the protection for the bank upon
the usage of SPK as guarantee is not stated in the Banking Act, then it
should be referred to the regulations on debt acquittance using general
guarantee, according to the articles 1131 and 1132 of the Indonesian Civil
Code.

v

Dokumen yang terkait

Pemberian Jaminan Produk Halal Terhadap Konsumen Muslim Ditinjau Dari Undang-Undang Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal

1 79 111

Perlindungan Hukum Terhadap Nasabah Penyimpan Ditinjau Dari Prinsip Kerahasiaan Bank Dalam Undang-Undang Perbankan (Studi Di Bank Sumut Cab. Krakatau Medan)

3 96 92

Perlindungan Hukum Terhadap Kreditor Pemegang Jaminan Fidusia Karena Debitornya Dinyatakan Pailit

6 230 86

Perlindungan Hukum Terhadap Bank Sebagai Kreditor Pemegang Hak Tanggungan Dalam Penangguhan Eksekusi Jaminan Berkaitan Dengan Undang-Undang Nomor 37 Tahun 2004 Tentang Kepailitan

5 56 124

Analisis Hukum Terhadap Pendaftaran Jaminan Fidusia Dalam Pemberian Kredit Perbankan Menurut Undang-Undang No. 42 Tahun 1999

1 46 129

Pendaftaran Jaminan Fidusia : Hambatannya dilihat Dari Aspek Sistem Hukum

3 39 120

SKRIPSI Perlindungan Hukum Kreditur Selaku Pemegang Jaminan Fidusia Perlindungan Hukum Kreditur Selaku Pemegang Jaminan Fidusia Dalam Kepailitan Atas Harta Kekayaan Debitur yang Telah Dinyatakan Pailit Berdasarkan Undang-Undang No. 37 Tahun 2004 Tentang

0 0 15

ASURANSI SOSIAL SEBAGAI ALTERNATIF PERLINDUNGAN HUKUM TERHADAP PEKERJA RUMAH TANGGA DITINJAU DARI KITAB UNDANG-UNDANG HUKUM PERDATA DAN UNDANG-UNDANG NOMOR 40 TAHUN 2004 TENTANG JAMINAN SOSIAL NASIONA.

0 0 1

Perlindungan Hukum Terhadap Bank Pemegang Jaminan Fidusia Yang Tidak Diasuransikan Dalam Hal Hilangnya Objek Jaminan Fidusia Dikaitkan Dengan Undang-Undang Nomor 42 Tahun 1999 Tentang Jaminan Fidusia.

0 0 1

PERLINDUNGAN HUKUM TERHADAP KREDITOR PEMEGANG HAK TANGGUNGAN BERDASARKAN UNDANG-UNDANG NO. 4 TAHUN 1996 DALAM HAL PENANGGUHAN EKSEKUSI JAMINAN UTANG DIKAITKAN DENGAN UNDANG-UNDANG NO. 37 TAHUN 2004 TE.

0 1 1