PELAKSANAAN PERJANJIAN KREDIT ANTARA DEBITUR DENGAN PIHAK BANK RAKYAT INDONESIA CABANG SOLOK

Abstract

Banks businesses operating in the financial sector by collecting and distributing funds to the public. In the distribution of funds to the public, the implementation of credit agreements often occurs in default. In the credit agreement between the debtor and Bank Rakyat Indonesia Solok Branch, there was a default by the debtor. The formulation of the problem consists of: 1) What is the cause of the debtor's default at Bank Rakyat Indonesia Solok Branch; 2) How is the settlement of a debtor who is in default at Bank Rakyat Indonesia Solok Branch. This research uses sociological juridical research. The data sources come from primary and secondary data and the data collection technique uses interviews with informants with semi-structured questions and document studies and the analysis used is qualitative. From the results of this study, it can be concluded that: 1) The cause of debtor default is the decrease in the company's operating income during the covid 19 pandemic. 2) Settlement carried out by the bank by means of rescue such as rescheduling (extension of the installment period), reconditing (changing some requirements), restructuring (increasing the number of credits), relief payments, combinations and settlements by means of a simple lawsuit to the court by the bank.