The Juridical Review of Completion of Kupedes Bad Loans (General Rural Credit) With Mortgage Guarantees

Abstract

KUPEDES (Rural General Credit) is a credit facility provided by the Unit Office of PT. Bank Rakyat Indonesia (Persero) Tbk. to develop or improve viable micro, small and medium enterprises. This study aims to find out and analyze why there are bad kupedes (rural general loans) with guaranteed dependent rights at PT. Bank Rakyat Indonesia Persero Tbk. Unit Pengkol Jepara Branch Office. To find out and analyze the settlement of KUPEDES bad debts (Rural General Credit) with guaranteed dependent rights at PT. Bank Rakyat Indonesia Persero Tbk. Unit Pengkol Jepara Branch Office. This research is a type of empirical juridical research, with analytical descriptive research specifications, data collection methods in this study through observation and interviews with sources, as well as analyzing field materials and library materials. Meanwhile, the data analysis method in this study uses qualitative analysis methods. The occurrence of KUPEDES bad debts is caused by: 1) from the banking side: in conducting a less thorough analysis, collusion on the part of credit analysts, the bank does not spread credit risk, weak credit coaching and monitoring. 2) On the part of the debtor: the debtor has no will in the payment of installations, the use of credit funds is not in accordance with the purpose of use, the debtor's business cannot compete with the market. The completion of KUPEDES bad debts with the guarantee of dependent rights carried out by executing the object of dependent rights on the condition that in APHT and SHT there is a promise that the holder of the first dependent right has the right to sell on his own power the object of dependent rights, the creditor can execute the dependent rights object directly through the KPKNL.