PENYELESAIAN KREDIT MACET PASCA GEMPA BUMI PADA BANK PEMBANGUNAN DAERAH PROPINSI DAERAH ISTIMEWA YOGYAKARTA KANTOR CABANG BANTUL

Abstract

The purpose of this research is h is to find the mechanism of credit giving, mechanism of loss credit solving, the reason & risk of permanent objective overmacht theory and norm can not be applied on Bank Pembangunan Daerah Propinsi Daerah Istimewa Yogyakarta Kantor Cabang Bantul. This research is normative and empiric research which uses textual research and field research data collecting methods. Textual research is used to find secondary data and done by reading and analyzing the books and rules about regulations which deal with bad credit from the use of objective and permanent overmacht. Field research is used to find the primary data by visiting the source (Bank Pembangunan Daerah Propinsi Daerah Istimewa Yogyakarta Kantor Cabang Bantul Cabang Bantul), doing interview with respondents using pre-arranged set of questions suited to the field condition. The data then analyzed using qualitative method and the conclusion is drawn using inductive thinking method. The result of this research is the credit-giving mechanism which is based on cautious principle, loss credit from the overmacht 27th May 2006 is done by doing restructurerization , record off ,and Corporate Social Responsibility program. Permanent and objective overmacht theory and norms can not be applied because the bank have an obligation to use a way which does not cause financial loss to both the customers and the bank itself. The bank must follow the rules set by Bank Indonesia as the leader and watcher of all banks in Indonesia. The risk of using objective and permanent overmacht theory is dealing with great financial loss and having sanctions from Bank Indonesia