| Summary: | Banking has the important role for economic activities. The strategic role
of bank is a mode that able to assemble and supply the society fund effectively
and efficiently toward an increasing of people standar-life. In order to adding the
receiving sources for bank and providing service to the customer, bank gives
several of tipe service. Progressively quik of competition between banks, the bank
urged not only relying on the primary receiving source of credit distribution but
from the services which given, as well.
In this globalitation era, businessman compete to develop their business
with the tight competitiveness, businessman besides need law to ensure rule of
law in their action, also need banking institution to ensure their certainty of
business. One of the banking activity that use by the businessman is Bank
Guarantee. Bank Guarantee is published to ensure creditor�s importance if the
debitor break a promise. If the debitor break a promise, so the kreditor could
raising claim of the Bank Guarantee. Bank Guarantee has a function to push banks
to help fluenting the flow of goods and services and bond trading. CIMB Niaga
Tbk Bank as one of healthy banking institution gives bank guarantee facility to
accelerate business activity.
In executing to give bank guarantee of CIMB Niaga Bank, there is a main
problem that is how execute in giving bank guarantee on CIMB Niaga Bank
Implementation of Undang-Undang No.10 tahun 1998 and the obstacles of
settlement way the customer definitely pay of the giving the bank guarantee.
There is four kinds of bank guarantee in CIMB Niaga Tbk Bank, namely :
Bid Bond, Advanced Payment Bond, Perfomance Bond, Retention Bond. For
once issuing bond of any kind of bank guarantee equally charge one hundred
thousands rupiahs fee and the provision which is depends on the agreement
between bank and the customer base of the value of the bond. In bank guarantee
there is a contra guarantee from the customer which is given for the bank
whwnever there is a claim of the beneficiary. Niaga Bank as the guarantor so that
there is a guarantee for bank that the customer definitely pay when there is a
claim.
As regards, approaching method which is used is juridical empire
observations which is need to solve observation object by observing the secondary
data to primary data in the field so that can solving the problem and in the end can take conclusion whether the policy of CIMB Niaga Bank to execute in giving
bank guarantee has fulfilled the Indonesia Central bank regulations.
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