PENERAPAN PRINSIP KEHATI-HATIAN DALAM PROSES PEMBERIAN KREDIT USAHA RAKYAT (KUR) OLEH BANK BRI YOGYAKARTA (Studi di Bank BRI Kantor Cabang Yogyakarta Katamso)

• Main Authors: , Nur Chasanah, SH, , Drs. Paripurna P. Sugarda, S.H., M.Hum., LL.M.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2012
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/100268/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=56143
• Institution: Universitas Gadjah Mada

The prudent banking principle in the process of credit given has been required in Banking Rule (Indonesian Law No. 10/1998). People�s Business Credit (KUR) was a government program purposed to accelerate UMKM-K economic growth. BRI Bank as one of government bank has applied of prudent banking principle in the process of KUR given. The purpose of this study was to analyze the application of the prudent banking principle in the process of KUR and the legal implications of unapplication of prudent banking principle in the process of KUR given by BRI Bank Yogyakarta Katamso branch office. A juridical empiric research was carried out in this study. Data were obtained through library and field study. The subjects in this study were credit analyst and customer/debtor of BRI Bank Yogyakarta Katamso branch office. A purposive sampling was used as a technique sampling. Data was analyzed by descriptive qualitative method. The results of study revealed that the application of the prudent banking principle in the process KUR managed by BRI Bank Yogyakarta Katamso branch office has been done on Retail KUR and Micro KUR. Moreover, Retail KUR was performed by application of the 5 C's, selective in choosing the prospective debtor, careful in analyzing the business, assessing the condition of the business debtor in the future, and judging the character of the prospective debtor. Furthermore, Micro KUR was delivered by applying the 5 C's, and if a prospective debtor had a credit out of Micro KUR e.g. BUKP, Leasing, Cooperatives and other credit programs, the bank would suggest them to pay off the loan first. The legal implication of unapplication of prudent banking principle by BRI Bank Yogyakarta Katamso branch office, the bank will be lost of benefit, unable the collateral sold, and difficulty of the credit settlement. A legal implication of the unapplication of prudent banking principle will affect increasing the non performing loan (NPL), thus the level of bank health will be influenced. Therefore, Bank Indonesia had an authorization of banks controlling could impose an administrative penalty based on Indonesian Law No. 10/1998.