PELAKSANAAN PERJANJIAN KREDIT DENGAN NILAI JAMINAN LEBIH RENDAH DARI NILAI KREDIT (Studi kasus pemberian kredit Small Medium Enterprise / SME di PT. Bank MEGA, Tbk Kantor Cabang Magelang)

• Main Authors: , Kunto Prabowo, , Dr. Ari Hernawan, SH., M.Hum.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2013
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/126037/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=66227
• Institution: Universitas Gadjah Mada

The research was intended to study consideration PT. Bank MEGA, Tbk. Magelang branch in providing SME credit with lower collateral value than credit value and to study resolution of nonperforming loan when collateral is lower than credit given. It was juridical empirical research and completed with the library study on primary, secondary, and tertiary law material as secondary data. Primary data was obtained from field study by doing interview with related parties. Data was analyzed qualitatively and presented descriptively The result indicated that in providing SME credit PT. Bank MEGA, Tbk. Magelang branch consider business factor, personal closeness, location and collateral value, target and competition among banks. To solve non performing loan the bank did efforts of debitor portfolio restructuring, collecting, adminiton letter and collateral execution through open auction.