ANALISIS PEMBERIAN SANKSI DEBITUR KREDIT MACET PADA PD.BPR BANK PASAR KOTA PONTIANAK
Abstract
Abstract: This research aims to determine what sanction given PD.BPR Pasar Pontianak Bank to the borrowers who are late to pay the mortgage loan (credit). The method used is descriptive method, and the form of research is a case study. Researchers used data and research data sources, as for the data obtained by researchers is a list of the names, as well as the nominal due date bad credit borrowers. The research results are PD.BPR Pontianak City Pontianak Bank has 31 paying customers jammed in cicilian loan (bad credit) which gives 3 PD.BPR Pasar Pontianak Bank sanctions are administrative sanctions, civil penalties and criminal sanctions. Sanction the creditor (bank) loans to borrowers are in accordance with the provisions of the bank.
Keywords: sanctions, borrowers, bad credit
Abstrak: Penelitian ini bertujuan mengetahui sanksi apa yang diberikan PD.BPR Bank Pasar Kota Pontianak kepada para debitur yang terlambat membayar cicilan pinjaman (kredit). Metode penelitian yang digunakan adalah metode deskriptif, dan bentuk penelitian adalah studi kasus. Peneliti menggunakan data dan sumber data penelitian, adapun data yang diperoleh peneliti yaitu daftar nama-nama, nominal serta tanggal jatuh tempo debitur kredit macet. Adapun hasil penelitian yaitu PD.BPR Bank Pasar Kota Pontianak memiliki 31 orang nasabah yang macet dalam membayar cicilian pinjaman (Kredit Macet) yang mana PD.BPR Bank Pasar memberikan 3 sanksi yaitu sanksi administrasi, sanksi perdata dan sanksi pidana. Sanksi yang diberikan kreditur (pihak bank) kepada debitur kredit sudah sesuai dengan ketentuan bank.
Kata kunci : Sanksi, Debitur, Kredit macet
DOI: http://dx.doi.org/10.26418/jppk.v3i3.5055
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