RISK MANAGEMENT IN THE PROVISION OF PEOPLE’S BUSINESS CREDIT AS IMPLEMENTATION OF PRUDENTIAL PRINCIPLES

*Hari Sutra Disemadi -  Faculty of Law, Diponegoro University, Indonesia
Received: 11 Aug 2019; Published: 30 Sep 2019; Available online: 1 Oct 2019.
Open Access Copyright (c) 2019 Diponegoro Law Review
Creative Commons License
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
Citation Format:
Abstract

The bank is a financial institution that has an intermediary function that bridges the interests of parties who are excess funds (creditors) and those who need funds (debtors). Banks in channeling funds, among others, through the provision of credit to the public. However, loans issued by banks contain a lot of risk, one of them is People's Business Credit (KUR). Issues regarding the risks of granting credit above will be discussed in this study, which this study uses a normative juridical method using the statutory approach. This study shows the arrangements regarding risk management are regulated in PBI Number 11/25/PBI/2009 concerning the Application of Risk Management in Commercial Banks and in Regulation of the Financial Services Authority Number 18 / POJK.03 / 2016 Regarding the Implementation of Risk Management for Commercial Banks. The implementation of the prudential principle internally for a bank's Human Resources (HR) is to apply the Banking Risk Management Principles. Banking practices usually assess five aspects of debtors (the five C’s analysis), namely: character, capital, capacity, economic conditions and collateral.

Keywords
Risk Management; People’s Business Credit (KUR); Prudential Principles

Article Metrics:

  1. Abubakar, Lastuti, and Tri Handayani. “Telaah Yuridis Terhadap Implementasi Prinsip Kehati-hatian Bank Dalam Aktivitas Perbankan Indonesia.” Jurnal De Lega Lata 2, No. 1 (2017): 68-91.
  2. Abubakar, Lastuti. “Implementasi Prinsip Kehati-hatian Melalui Kewajiban Penyusunan dan Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank.” Jurnal Rechtidee 13, No.1 (2018): 62-81.
  3. Anggraini, Dewi, and Syahrir Hakim Nasution. “Peranan Kredit Usaha Rakyat (KUR) Bagi Pengembangan UMKM Di Kota Medan (Studi Kasus Bank BRI).” Jurnal Ekonomi dan Keuangan 1, No.3 (2013): 105-116.
  4. Brehm, Stefan. “Risk Management in China's State Banks-International Best Practice and the Political Economy of Regulation.” Business and politics 10, No.1 (2008): 1-29.
  5. Chosyali, Achmad, and Tulus Sartono. “Optimalisasi Peningkatan Kualitas Kredit Dalam Rangka Mengatasi Kredit Bermasalah.” Jurnal Law Reform 15, No.1 (2019): 98-112.
  6. Damanik, Maristella Pratiwi, and Moch Budiharto. "Pelanggaran Prinsip Kehati-hatian Dalam Penyaluran Kredit Komersil Oleh Pimpinan Bank (Kasus Pada PT. Bank Aceh Cabang Lhokseumawe)." Diponegoro Law Journal 6, No.2 (2017): 1-14.
  7. Hakim, Lukmanul, and Travilta Oktaria. "Prinsip Kehati-Hatian pada Lembaga Perbankan dalam Pemberian Kredit." Keadilan Progresif 9, No.2 (2018): 164-176.
  8. Ikatan Bankir Indonesia. Mengelola Bank Komersial. Jakarta Pusat: Gramedia Pustaka Utama, 2017.
  9. Kasmir. Bank Dan Lembaga Keuangan Lainnya. Depok: RajaGrafindo Persada, 2018.
  10. Lailiyah, Ashofatul. “Urgensi Analisa 5c Pada Pemberian Kredit Perbankan Untuk Meminimalisir Resiko.” Jurnal Yuridika 29, No.2 (2014): 217-232.
  11. Mulyati, Etty, and Fajrina Aprilianti Dwiputri. “Prinsip Kehati-Hatian Dalam Menganalisis Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan.” Jurnal Acta Diurnal 1, No.2 (2018): 134-148.
  12. Nasution, Liza Bayduri, et al. "Prinsip Kehati-hatian dalam Bisnis Kartu Kredit pada PT. Bank Negara Indonesia Sentra Bisnis Kartu Medan." USU Law Journal 3, No.3 (2015): 72-83.
  13. Permatasari, Desi Sistianti, and Moch Dzulkirom AR. “Analisis Sistem Akuntansi Pemberian Kredit Modal Kerja Dalam Upaya Meningkatkan Pengendalian Manajemen Kredit (Studi Pada Pt. bank Pembangunan Daerah Jawa Timur, tbk Cabang Nganjuk).” Jurnal Administrasi Bisnis 33, No.2 (2016): 104-113.
  14. Putra, Sulistya Adi. “Evaluasi Sistem Dan Prosedur Pemberian Kredit Modal Kerja Dalam Upaya Meningkatkan Efektivitas Pengendalian Intern (Studi Pada PT. Bank Rakyat Indonesia Cabang Jombang Unit Plandaan).” Jurnal Administrasi Bisnis 27, No.2 (2015): 1-10.
  15. Putri, Elsa Yunita. “Pelaksanaan Pemberian Kredit Dengan Jaminan Resi Gudang (Bank Rakyat Indonesia Cabang Pekalongan).” Unnes Law Journal 2, No.2 (2013): 87-96.
  16. Sanjaya, Roi Andang, Paramita Prananingtyas, and Siti Mahmudah. "Prinsip Kehati-hatian pada Pemberian Kredit oleh Pejabat Bank (Studi Kasus Pemberian Kredit oleh PT. Bni Tbk Kepada PT. Guna Inti Permata)." Diponegoro Law Journal 5, No.4 (2016): 1-22.
  17. Soemitra, Andri. Bank Dan Lembaga Keuangan Syariah. Jakarta: Prenamedia Group, 2018.
  18. Sugarda, Paripurna P. "Kontrak Standar: Antara Prinsip Kehati-Hatian Bank Dan Perlindungan Nasabah Debitur." Mimbar Hukum-Fakultas Hukum Universitas Gadjah Mada 20, No.2 (2008): 193-208.
  19. Suhardjanto, Djoko, and Aryane Dewi. “Pengungkapan Risiko Finansial Dan Tata Kelola Perusahaan: Studi Empiris Perbankan Indonesia.” Jurnal Keuangan dan Perbankan 15, No.1 (2011): 105-118.
  20. Supriyatni, Renny. "Tanggung Jawab Bank Syariah dalam Penerapan Prinsip Kehati-hatian dan Good Corporate Governance." AHKAM: Jurnal Ilmu Syariah 12, No.1 (2012): 109-118.
  21. Tonveronachi, Mario. “Empowering Supervisors With More Principles And Discretion To Implement Them Will Not Reduce The Dangers Of The Prudential Approach To Financial Regulation." PSL Quarterly Review 63, No.255 (2010): 361-376.
  22. Yulianti, Rahmani Timorita. "Manajemen Risiko Perbankan Syari’ah." Jurnal Fakultas Hukum UII 3, No.2 (2009): 151-165.
  23. Yuliati, Maulina and Moch Najib Imanullah. “Penerapan Prinsip Kehati-Hatian Bank Dalam Pemberian Kredit Dengan Jaminan Resi Gudang Di Bank Jateng Kantor Cabang Jepara.” Jurnal Privat Law 6, No.1 (2018): 133-142.