| Summary: | Writing this thesis aims to examine the application of prudential banking
principle in working capital loan agreement at the rural bank Ambarketawang Persada
Yogyakrta that serve at the basic consideration in providing micro-credit for working
capital. And to identify and assess measure to be carried out the rural Bank
Ambarketawang Persada Yogyakarta when the debtor default suffered promise and
causing micro-credit working capital problems.
This research includes empirical juridicial research, which is the approach to a
problem with looking at and concered theapplicable rule of law, linked with the
phenomena of the problems found in the research. Data collections techniques in
research literatute is condected by studies document that is a data collection technique
or mode by studying the literature, either in the form of books,studies, and regulations
with regard to the principle of prudent banks in providing credit and associated with the
agreement. Primary and secondary data will be qualitative analyzed with systematically
arranged and inductive method was with drawn in each problem formulation
conclusion. Fieldwork was conducted by means of interviews using an interview guide.
The result of basic consideraration bank perkreditan rakyat ambarketawang
persada Yogyakarta apply the prudential banking in delivering micro creditfor working
capital based on the 5 C�s credit analisys that is from character, capital, capacity,
collateral and conditions of economic. And should be consider too about constraint
aspect, but in practice in the bank perkreditan rakyat ambarketawang persada
Yogyakarta more emphasis about guarantee aspect and debitor capacity in delivery
working capital based kredit. The legal action to resolve bad credit bay parate executie,
parate executie is sell it own by debtor to get higher price, and wit fiat executie throught
an auction that has a court warrant.
|
|---|