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UI - Tesis (Membership) :: Kembali

Aspek hukum pemberian kredit dengan jaminan produk bancassurance dalam rangka menjaga kelangsungan pelunasan pembayaran = Legal aspect of credit grant with secured bancassurance product to protect performance of repayment

Hilda Lestari; Rosa Agustina, supervisor; Surini Ahlan Sjarif, examiner; Siti Hajati Hoesin, examiner ([Publisher not identified] , 2014)

 Abstrak

[ABSTRAK
Produk bancassurance merupakan produk perbankan yang terdiri dari produk
simpanan/investasi yang digabung dengan produk asuransi jiwa. Salah satu
bentuknya yaitu berupa deposito yang dikemas dengan asuransi jiwa didalamnya.
Dalam perkembangannya, produk bancassurance yang demikian dapat dijadikan
sebagai jaminan kredit perbankan. Penelitian ini bertujuan untuk mengetahui
bagaimana karakteristik pemberian kredit dengan jaminan produk bancassurance
dan bagaimana dengan hak bank sebagai kreditor apabila terjadi wanprestasi
dalam pemberian kredit tersebut. Hasil penelitian menjelaskan bahwa karakteristik
pemberian kredit semacam ini terletak pada perjanjian pengikatan jaminannya,
dimana ada 2 (dua) jaminan yang diikat secara bersamaan dalam 1 (satu)
perjanjian kredit, yaitu pengikatan jaminan deposito dan hak klaim atas polis
asuransi jiwa. Adanya kedua jaminan tersebut menjamin bahwa debitor dapat
menjaga kelangsungan pelunasan pembayarannya. Apabila debitor wanprestasi,
maka bank berhak untuk dapat langsung mencairkan kedua jaminan tersebut tanpa
harus melakukan pelelangan di muka umum. Untuk itu, Penulis menyarankan agar
ketentuan-ketentuan tentang produk bancassurance dituangkan dalam suatu
wadah peraturan tersendiri agar lebih komprehensif dan perlu dilakukan
penyempurnaan atas ketentuan-ketentuan tentang hukum jaminan, terutama
mengenai jaminan gadai dan fidusia.

ABSTRACT
Bancassurance product is one of banking products consisting of
deposit/investment combined with life assurance. One of the models is a deposit
in which the life insurance is incorporated. The bancassurance product, in its
progress, may be used as banking security credit. The objective of this research is
to identify how is characteristic of credit grant with secured bancassurance and
how the bank?s right as creditor, in the case of default, on such the credit
provision. The result shows that the characteristic of this credit grant exists in its
security agreement, in which there are 2 (two) securities bound together within 1
(one) credit agreement namely deposit agreement and right to claim life insurance
premium. The existences of both securities assure that the debtor may maintain
the repayment process. In the case of default by the debtor, the bank has the right
to disburse the securities directly without public auction. For such reason, the
writer suggests that the provisions on bancassurance products is set forth in one
single instrument so as to be more comprehensive and provisions on security of
law especially on mortgage and fiduciary collateral, Bancassurance product is one of banking products consisting of
deposit/investment combined with life assurance. One of the models is a deposit
in which the life insurance is incorporated. The bancassurance product, in its
progress, may be used as banking security credit. The objective of this research is
to identify how is characteristic of credit grant with secured bancassurance and
how the bank’s right as creditor, in the case of default, on such the credit
provision. The result shows that the characteristic of this credit grant exists in its
security agreement, in which there are 2 (two) securities bound together within 1
(one) credit agreement namely deposit agreement and right to claim life insurance
premium. The existences of both securities assure that the debtor may maintain
the repayment process. In the case of default by the debtor, the bank has the right
to disburse the securities directly without public auction. For such reason, the
writer suggests that the provisions on bancassurance products is set forth in one
single instrument so as to be more comprehensive and provisions on security of
law especially on mortgage and fiduciary collateral]

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 Metadata

No. Panggil : T41665
Entri utama-Nama orang :
Entri tambahan-Nama orang :
Entri tambahan-Nama badan :
Subjek :
Penerbitan : [Place of publication not identified]: [Publisher not identified], 2014
Program Studi :
Sumber Pengatalogan : LibUI ind rda
Tipe Konten : text
Tipe Media : unmediated ; computer
Tipe Carrier : volume ; online resource
Deskripsi Fisik : xii, 125 pages : illustration ; 28 cm + appendix
Catatan Bibliografi : pages 77-79
Lembaga Pemilik : Universitas Indonesia
Lokasi : Perpustakaan UI, Lantai 3
  • Ketersediaan
  • Ulasan
No. Panggil No. Barkod Ketersediaan
T41665 15-17-962414931 TERSEDIA
Ulasan:
Tidak ada ulasan pada koleksi ini: 20389148