| Summary: | Bank is a fund saving institution from society that has big responsibility in
taking any fund of society. The fund used in the form of credit distribution should
consider to the principles of prudence. Based on the Article 8 and Article 15 of the
Act Number 10 of 1998 on Banking it regulates that the reliance on the
competence and capability of debtor customer which is an important factor.
Collateral is a supporting element, instead of primary element in credit. Noncollateral
credit is a type of credit developed by not involving the guarantee in
physical form. Thus, this research will identify the criteria of evaluation used by
creditor as the conditions of providing Individual Non-collateral Credit in BRI
Branch Jayapura and the resolution of bad credit in non-collateral Individual
Credit in Bank BRI Branch Jayapura.
This research used juridical-empirical approach method. The collection of
data and information was obtained from literary research and interview. To
analyze data of research result it is qualitatively conducted.
The result of research shows that criteria of evaluation of non-collateral
credit as the conditions of providing credit in principally is similar to the
evaluation for providing credit with collateral. The difference laid on the element
of collateral instead of the form of item. However it was immaterial collateral and
an additional collateral. The level of failure to resolve the non-collateral credit
was higher than collateral credit. The good supervision and cooperation as well as
the checking through Bank Indonesia can minimize the credit risk. Legal
protection generally given by the Laws is established in the Article 1131 and
Article 1132 of Civil Code. In future it needs the further management on the risk
transfer to the third party (credit insurer), funding source of private banks, amount
of fund, maximum limit of credit distribution, procedure of credit supervision,
banking resolution in the matter of under performance in Non-collateral
Individual Credit.
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