KREDITUR DAN DEBITUR DENGAN HAK PERLINDUNGAN HUKUM DALAM PERJANJIAN KREDIT TANPA AGUNAN
DOI:
https://doi.org/10.30996/dih.v15i1.2268Keywords:
perjanjian kredit, jaminan, perlindungan hukumAbstract
Aspek bisnis kredit perbankan di Indonesia baru-baru ini sesuai dengan Undang-Undang Nomor 1992 tentang Perbankan dan beberapa peraturan yang dikeluarkan oleh Bank Indonesia (Bank Sentral) dengan juga di bawah norma-norma umum Hukum Perdata Indonesia (buku ketiga). Penulis di sini menyajikan analisis tentang kasus pinjaman tanpa jaminan yang telah dipraktekkan oleh Standard Chartered Bank di Jakarta. Paper ini menggunakan metode penelitian hukum empiris yang berarti bahwa penelitian hukum ini berdasarkan fakta di lapangan. Hasil yang didapatkan berupa kesimpulan pinjaman tanpa jaminan yang telah dipraktekkan juga memiliki risiko intrinsik, bahkan di bawah prinsip umum Hukum Perdata Indonesia telah menetapkan bahwa seluruh harta debitur (baik yang tidak bergerak maupun bergerak) yang dimiliki atau akan dimiliki kemudian menjadi jaminan atas hutangnya yang dibuat.
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