Perwujudan Asas Kepercayaan dalam Pengaturan Kegiatan USAha Bank (Studi terhadap Ketentuan Setoran Lunas Bayar Maju Kredit pada Bank Rakyat Indonesia Kantor Cabang Pontianak)

摘要

This thesis discusses the embodiment of the principle of trust issues in the regulation of thebusiness of banks (the study of the provision of credit advanced setoan paid in full at thebank branches Pontianak Indonesia). From the research, legal research methods normativejuridical conclusion, that: The provisions of advanced repayment of credit at PT. PontianakBRI branch in relation to the principle of trust that must be adhered to in the business ofbanks is credit settlement made by agreement between the bank and the debtoryangmempunyai good faith and cooperative in resolving credit perlunasan. The policy mustbe adopted to regulate the credit advanced deposit paid in full in order to realize the principleof trust in the community bank branches Pontianak Indonesia is to go through several stages/ procedures to be followed are as follows: Request calculation to AO (Accounts Officer) andthen submitted to AMO (Assistant Operations Manager), AMO match / check calculation ofAO.Approved by PINCAPEM to be submitted to ADP (Administration financing), madebookkeeping by ADP and repay to the Customer teller.Upaya what measures taken by theBank Rakyat Indonesia in realizing the principle of trust in the Bank Rakyat IndonesiaPontianak is the first branch office with the application of the principle of prudence in thecontext of lending by banks to borrowers using land collateral, banks are required to apply asystem of prudence in lending in accordance with the General Conditions of Creditestablished by Bank Rakyat Indonesia. Both the application of legal sanctions againstmembers of management, employees of the bank, the bank\u27s shareholders bri Pontianakbranch include the imposition of administrative sanctions or judicial sanctions. The sanctionsmay be granted by the bank against unscrupulous bank employees even against membersof the board of directors and commissioners who committed the violation. Recommendation:expected to analyze more carefully and cleverly to prevent a credit crunch / jammed in thefuture, because the success or failure of bank lending may affect the credibility of the bankconcerned. In relation to the credit advanced perlunasan Bank Rakyat Indonesia PontianakBranch should refer to the provisions of Bank Indonesia that the accounting records must bein accordance with GAAP (Financial Accounting Standards Guidelines) .. Supervision andcoaching that has been properly carried out by the bank needs to be improved, withoutintending interfere too in the "household" debtor kredit.Tanpa override the principle ofprudence, the bank BRI Pontianak Branch should ease the requirements and procedures forobtaining credit / financing, especially if the bank had known the applicant credit / financingthem. And to the debtor should be acting in good faith to their credit, apalabi for those whopay off their credit before the expiry or known as advanced perlunasan credit.