Penerapan Prinsip Kehati-hatian Dalam Penerimaan Jaminan Fidusia Atas Benda Milik Pihak Ketiga Pada PT. Bank Perekonomian Rakyat Bank Kredit Kerjasama Grogol (PT. BPR BKK Grogol)

Abstract

Credit in banking activities is a major business activity. Granting credit has a negative impact on financial institutions, namely bad debt, which generally occurs because debtors are unable to meet their obligations. Data released by the Financial Services Authority (OJK) in 2025 shows that the value of bad debt at rural banks (BPR) was quite high, at around 11.91% as of March 2025. This study aims to determine and analyze the application of the principle of prudence in accepting fiduciary guarantees on third-party property at PT BPR BKK Grogol (Perseroda), as well as the obstacles and efforts made. The method used is a juridical-empirical legal study with a descriptive approach, based on the Civil Code, Law Number 42 of 1999 concerning Fiduciary Guarantees, Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning Banking, and Law Number 4 of 2023 concerning the Development and Strengthening of the Financial Sector. The results of the study show that PT BPR Grogol has implemented the 5C prudential principle in accepting third-party fiduciary guarantees, but there are obstacles in its implementation