PENYALAHGUNAAN ANALIS KREDIT DALAM PENYALURAN KREDIT USAHA RAKYAT (KUR)
Bank is a financial institution that has a function as an intermediary (intermediary institiution) which means as deposit-taking institutions and channeling public funds. One function of channeling funds to the public after receiving the collection of funds from the depositors, bank provides cred...
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| Main Author: | |
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| Format: | Theses and Dissertations NonPeerReviewed |
| Language: | Indonesian Indonesian |
| Published: |
2017
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| Subjects: | |
| Online Access: | http://repository.unair.ac.id/58402/1/FH.%2033-17%20Agn%20p%20abstrak.pdf http://repository.unair.ac.id/58402/2/FH.%2033-17%20Agn%20p.pdf http://repository.unair.ac.id/58402/ http://lib.unair.ac.id |
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| Institution: | Universitas Airlangga |
| Language: | Indonesian Indonesian |
| Summary: | Bank is a financial institution that has a function as an intermediary
(intermediary institiution) which means as deposit-taking institutions and
channeling public funds. One function of channeling funds to the public after
receiving the collection of funds from the depositors, bank provides credit
facilities. To prosper Micro, Small and Medium Enterprises (SMEs), the
Government launched the People's Business Credit (KUR). People's Business
Credit (KUR) is a special credit facility granted to SMEs as well as cooperative
efforts decent enough but did not have sufficient collateral in accordance with
the requirements established by the bank. People's Business Credit (KUR)
proved more vital role in developing SMEs. Given this KUR, SMEs are
expected to grow so that the economy in Indonesia increased. However, in the
distribution of People's Business Credit (KUR) there are abuses by the bank,
the credit analyst. Credit analyst whose job is to decide whether the borrower
can repay the loan in accordance with the agreed by collecting and analyzing
financial data borrower of funds, such as the purpose of borrowing, payment
history, and other information to ascertain the financial risks that may arise.
Because the relationship between the bank and its customers is an unequal
relationship, on the one hand the bank has a strong bargaining position, while
the customer is in a position to accept the need for legal protection for
customers. The protection there are 2 kinds of protection that is provided
before the dispute (ex ante) and protection given after the dispute (ex post).
Keywords: People's Business Credit (KUR), Micro, Small and Medium
Enterprises (SMEs), Credit Analyst, Legal Protection, Ex Ante, Ex Post. |
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