Model Mitigasi Risiko pada Lembaga Penjamin Kredit di Indonesia

https://doi.org/10.22146/jmh.30286

Siti Zuleha(1*)

(1) Universitas Pekalongan
(*) Corresponding Author

Abstract


Abstract

In Indonesia there are two types of credit schemes, both credit with collateral and guarantee scheme. This
study aims, describes the construction of credit-based credit agreement law and constructs a risk mitigation model.This study used a doctrinal approach that the data being studied is limited to secondary dominated by primary legal materials. Qualitative analysis method based on the theory of stage by testing the level of horizontal synchronization between the Insurance with the Guarantee Act. The results showed, credit with guarantee scheme is an expansion of the provisions of subrogation and debt coverage as stipulated in the Civil Code.

Intisari

Di Indonesia dikenal dua jenis skema kredit yang terdiri atas kredit dengan skema agunan (collateral)
dan kredit dengan skema penjaminan. Penelitian ini bertujuan mendeskripsikan konstruksi hukum
perjanjian kredit dan mengkonstruksi model mitigasi risiko pada lembaga penjamin kredit. Penelitian
dilakukan dengan pendekatan doktrinal dan konsekuensianya data yang diteliti sebatas data sekunder yang didominasi oleh bahan hukum primer. Metode analisis kualitatif berbasis pada teori tangga dengan menguji taraf sinkronisasi horizontal antara Undang-Undang Perasuransian dengan Undang-Undang Penjaminan. Hasil penelitian menunjukkan, kredit dengan skema penjaminan merupakan perkembangan dari ketentuan subrogasi dan penanggungan utang menurut KUHPerdata. Namun lembaga ini memiliki kekhususunan berupa kewajiban mitigasi risiko.


 

Keywords


mitigasi risiko; penjaminan ulang; reasuransi; collateral; perjanjian kredit

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DOI: https://doi.org/10.22146/jmh.30286

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MIMBAR HUKUM ISSN: 0852-100X(print), ISSN: 2443-0994(online)