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EKSISTENSI BANK D ALAM SISTEM PENYALURAN KREDIT BAGI MASYARAKAT | Usup | LEX PRIVATUM

EKSISTENSI BANK D ALAM SISTEM PENYALURAN KREDIT BAGI MASYARAKAT

Sitti Murmainnah Mutiara Usup

Abstract


Tujuan diadakannya penelitin ini adalah untuk mengetahui bagaimana kriteria bank dalam menentukan penyaluran  kredit bagi masyarakat dan bagaimana kegunaan dan keuntungannya memperoleh permintaan kredit melalui perbankan, yang mana dengan metode penelitianhukum normatif disimpulkan: 1. Prinsip – prinsip penilaian bank dalam penyaluran kredit perbankan sehingga tidak terjadi kredit bermasalah (kredit macet) maka bank melakukan beberapa hal sebelum mengucurkan kreditnya kepada calon Debitur akan berdasarkan pada faktor-faktor watak (Character), jaminan (Collateral) modal (capital), kemampuan (capacity) dan kondisi ekonomi ( condition of economy ). 2. Fungsi dari pada Bank dalam sistem hukum perbankan adalah menghimpun dan menyalurkan dana masyarakat. Dalam penghimpun dana masyarakat dalam bentuk simpanan hanya dapat dilakukan oleh Bank Umum, Bank Perkreditan Rakyat yang telah mendapat izin dari Bank Indonesia. Kegiatan menghimpun dana dari masyarakat pada dasarnya merupakan kegiatan yang perlu diawasi.

Kata kunci: bank; penyaluran kredit;

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