ROLE OF INSURANCE IN OVERCOMEING CREDIT BADGETS ON BRI UNIT LECES OF PROBOLINGGO BRANCH OFFICE

Penulis

  • Eko Wicaksono SIA BAYUANGGA PROBOLINGGO

DOI:

https://doi.org/10.30736/jpim.v7i1.985

Kata Kunci:

Role of Credit Insurance, Bad Credit, Credit Agreement

Abstrak

Credit agreement is an agreement between the recipient and the lender that contains provisions regarding the amount and method of repaying the loan, the purpose of using the credit, the term of the credit, the type and increase of credit guarantees, the method of withdrawing credit, interest rates and so on. Credit is the provision of money or bills that can be equal with it, based on loan agreement or agreement to pay off debts after a certain period of time with the provision of interest, rewards, or profit sharing. In the process of implementing credit there must be a variety of problems that occur, so the bank needs insurance services to protect and reduce problems that occur. The formulation of the issues to be discussed is how the business criteria can be guaranteed by credit insurance companies, whether the advantages and disadvantages of using credit insurance, and whether the role of credit insurance in overcoming bad credit. Research methods conducted using qualitative research methods, namely by collecting data collection sourced from secondary and tertiary primary data that processes funds and cannot be separated from various interpretations known as juridical empirical science with data collection techniques through interviews or research to complete the data-other data . From the results of the study found things that occur such as business criteria that can be guaranteed by credit insurance companies, and whether theadvantages and drawbacks of credit insurance and the role of credit insurancein dealing with bad loans are closely related to the benefits of purpose and function, these three words are representative of the word role which means that the thing applies or acts as the main actor . Credit insurance as an insurance business has a role in collecting public funds starting from collecting insurance premiums, providing protection to members of the public who use insurance services against the possibility of loss due to an uncertain event or to a person's life and death in accordance with article 2 of Law No. 40 of 2014 concerning Insurance Business. The insurer has protected and guaranteed in the event of problems both in the form of bad loans that occur at the these three words are representative of the word role which means that the thing applies or acts as the main actor. Credit insurance as an insurance business has a role in collecting public funds starting from collecting insurance premiums, providing protection to members of the public who use insurance services against the possibility of loss due to an uncertain event or to a person's life and death in accordance with article 2 of Law No. 40 of 2014 concerning Insurance Business. The insurer has protected and guaranteed in the event of problems both in the form of bad loans that occur at the these three words are representative of the word role which means that the thing applies or acts as the main actor. Credit insurance as an insurance business has a role in collecting public funds starting from collecting insurance premiums, providing protection to members of the public who use insurance services against the possibility of loss due to an uncertain event or to a person's life and death in accordance with article 2 of Law No. 40 of 2014 concerning Insurance Business. The insurer has protected and guaranteed in the event of problems both in the form of bad loans that occur at the providing protection to members of the public who use insurance services against the possibility of loss due to an uncertain event or to a person's life and death in accordance with article 2 of Law No. 40 of 2014 concerning Insurance Business. The insurer has protected and guaranteed in the event of problems both in the form of bad loans that occur at the providing protection to members of the public who use insurance services against the possibility of loss due to an uncertain event or to a person's life and death in accordance with article 2 of Law No. 40 of 2014 concerning Insurance Business. The insurer has protected and guaranteed in the event of problems both in the form of bad loans that occur at theBRI Unit Leces Probolinggo City Branch Office and other problem loans, which the bank feels more comfortable, as well as the customer. The customer has also received the same insurance guarantee as life insurance if he carried out the loan implementation process.

Referensi

Abdulkadir Muhammad, 2011, Hukum Asuransi Indonesia, Bandung : PT. Citra

Aditya Bakti, Amiruddin dan Zainal Asikin, 2018 Pengantar Metode Penelitian Hukum (Cetakan ke-10), Jakarta : PT. Raja Grafindo Persada

Badriyah, Harun, 2010, Penyelesaian Sengketa Kredit Bermasalah, Yogyakarta :

Pustaka Yustisia Bahsan, M, Hukum Jaminan Dan Jaminan Kredit Perbankan Indonesia, Jakarta : Rajawali Pers

Darmawi, Herman, 2016 Manajemen Asuransi, Jakarta : PT. Bumi Aksara

Godzali, Djoni S. dan Rachmadi Usman, 2010, Hukum Perbankan, Jakarta : Sinar

Grafika

Harahap, M. Yahya, 2013, Hukum Acara Perdata, Jakarta : Sinar Grafika

Hasymi, Ali, Mher dan Cammack, 2015, Bidang Usaha Asuransi, Jakarta : Balai Aksara

Jamal, Wiwoho, 2011, Hukum Perbankan, Surakarta : Sebelas Maret University Press

Jimmy Josses Sembiring, 2011, Cara menyelesaikan Sengketa di luar pengadilan (Negoisasi, Mediasi, Konsiliasi & Arbitrase : Proses Pelembagaan dan Aspek Hukum, Jakarta : Visimedia

Junaedy Ganie, 2011, Hukum Asuransi Indonesia, Jakarta : Sinar Grafika

Kasmir. 2012, Manajemen Perbankan, edisi revisi, cet ke-11, Jakarta : Raja

Grafindo Persada Kristin Sitanggang, Perlindungan Tertanggung Dalam Hal Gagal Pembayaran Klaim, Repository, Jurnal ilmu Hukum, Unpad, Vol 4, 2013

Mahmoeddin, H As, 2010 Melacak Kredit Bermasalah, Jakarta : Pustaka Sinar Harapan

Man Suparman, Sastrawidjaja, 2012, Aspek-Aspek Hukum Asuransi dan Surat Berharga, Bandung : PT. Alumni

Mertokusmo, Sudikno, 2017, Hukum Acara Perdata Indonesia, Yogyakarta :

Cahaya Atma Pustaka

Sandra, Ketut, 2013 Klaim Asuransi: Gampang!, Jakarta : PPm Manajemen

Salim, Abbas, 2012 Asuransi dan Manajemen Resiko, Jakarta : Rajawali Pers

Sendra, Ketut, 2014 Bancassurance= Bank+Asuransi: Kemitraaan Strategis

Perbankan dan Perusahaan Asuransi, Jakarta : PPm Manajemen

Sentosa, Sembiring, 2014, Hukum Asuransi, Bandung : Nuansa Aulia

Soekanto, Soerjono dan Sri Mamudji, 2015 Penelitian Hukun Normatif Suatu Tinjauan Singkat (Cetakan Ke-17), Jakarta : PT. Radja Grafindo Persada.

Supramono, Gatot, 2009 Perbankan dan Masalah Kredit : Suatu Tinjauan Bidang Yuridis, Jakarta : Rineka Cipta

Tauris, Joice, 2017, Selami Asuransi Demi Proteksi Diri, Jakarta : Kompas

Perundang-undangan

Kitab Undang – Undang Dagang (KUHD)

Kitab Undang – Undang Perdata (KUHP)

Peraturan Pemerintah RI Undang-Undang No. 10 Tahun 1998 Tentang

Perubahan Atas Undang-Undang No. 7 Tahun 1992 Tentang Perbankan,

lembar negara No 31 tahun 1992

Peraturan Pemerintah RI Undang-Undang No. 20 Tahun 2008 TentangUsaha

Mikro, Kecil dan Menengah. Lembar negara No 23 tahun 2008

Peraturan Pemerintah RI Undang-Undang Nomor 17 Tahun 2003

Tentang Pelaksanaan Undang-Undung Nomor 20 Tahun 2018 Tentang

usaha Mikro, Kecil dan Menengah.

Peraturan Pemerintah RI Undang-Undang Nomor 40 Tahun 2014 Tentang

Peransurasian

Website

Asuransi kredit indonesia.http:/id.wikipedia.org/wiki/asuransi-kredit- indonesia diakses pada tanggal 9 Mei 2020

Pengertian asuransi. http://khairat.wordpress.com/2012/05/17/ pengertian-asuransi/diakses pada tanggal 10 Mei 2020

Materi dan dasar dasar hukum. http://legalbanking.wordpress.com/materi hukum/dsar-dasar-hukum-asuransipolis/. Diakses pada tanggal 25 Juni 2020

Dasar dasar asuransi.http://bataviapakuan.com/page/30529/ dasar- asuransi.html, diakses pada tanggal 27 Juni 2020

Pengertian asuransi. http://www.blackdeviant.web.id/2011/08/pengertian asuransi.html diakses pada tanggal 10 mei 2020

Polis asuransi.http:/unjlau.blogspot.com/2011/03/hukum-asuransi.html diakses pada tanggal 25 Juni 2020

Hukum asuransi dan polis.http://legalbanking.wordpress.com/materi-hukum / dasar- dasar-hukum-asuransipolis/. Diakses pada tanggal 25 Juni 2020 Prinsip Asuransi. http://www.kesimpulan.com/2009/05/ prinsip- asuransi.html, diakses pada tanggal 25 Juni 2020

Unduhan

Diterbitkan

2022-02-10

Cara Mengutip

Wicaksono, E. (2022). ROLE OF INSURANCE IN OVERCOMEING CREDIT BADGETS ON BRI UNIT LECES OF PROBOLINGGO BRANCH OFFICE. JPIM (Jurnal Penelitian Ilmu Manajemen), 7(1), 49–64. https://doi.org/10.30736/jpim.v7i1.985