[ABSTRAK
Produk bancassurance merupakan produk perbankan yang terdiri dari produksimpanan/investasi yang digabung dengan produk asuransi jiwa. Salah satubentuknya yaitu berupa deposito yang dikemas dengan asuransi jiwa didalamnya.Dalam perkembangannya, produk bancassurance yang demikian dapat dijadikansebagai jaminan kredit perbankan. Penelitian ini bertujuan untuk mengetahuibagaimana karakteristik pemberian kredit dengan jaminan produk bancassurancedan bagaimana dengan hak bank sebagai kreditor apabila terjadi wanprestasidalam pemberian kredit tersebut. Hasil penelitian menjelaskan bahwa karakteristikpemberian 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 polisasuransi jiwa. Adanya kedua jaminan tersebut menjamin bahwa debitor dapatmenjaga kelangsungan pelunasan pembayarannya. Apabila debitor wanprestasi,maka bank berhak untuk dapat langsung mencairkan kedua jaminan tersebut tanpaharus melakukan pelelangan di muka umum. Untuk itu, Penulis menyarankan agarketentuan-ketentuan tentang produk bancassurance dituangkan dalam suatuwadah peraturan tersendiri agar lebih komprehensif dan perlu dilakukanpenyempurnaan atas ketentuan-ketentuan tentang hukum jaminan, terutamamengenai jaminan gadai dan fidusia.
ABSTRACT
Bancassurance product is one of banking products consisting ofdeposit/investment combined with life assurance. One of the models is a depositin which the life insurance is incorporated. The bancassurance product, in itsprogress, may be used as banking security credit. The objective of this research isto identify how is characteristic of credit grant with secured bancassurance andhow the bank?s right as creditor, in the case of default, on such the creditprovision. The result shows that the characteristic of this credit grant exists in itssecurity agreement, in which there are 2 (two) securities bound together within 1(one) credit agreement namely deposit agreement and right to claim life insurancepremium. The existences of both securities assure that the debtor may maintainthe repayment process. In the case of default by the debtor, the bank has the rightto disburse the securities directly without public auction. For such reason, thewriter suggests that the provisions on bancassurance products is set forth in onesingle instrument so as to be more comprehensive and provisions on security oflaw especially on mortgage and fiduciary collateral;Bancassurance product is one of banking products consisting ofdeposit/investment combined with life assurance. One of the models is a depositin which the life insurance is incorporated. The bancassurance product, in itsprogress, may be used as banking security credit. The objective of this research isto identify how is characteristic of credit grant with secured bancassurance andhow the bank’s right as creditor, in the case of default, on such the creditprovision. The result shows that the characteristic of this credit grant exists in itssecurity agreement, in which there are 2 (two) securities bound together within 1(one) credit agreement namely deposit agreement and right to claim life insurancepremium. The existences of both securities assure that the debtor may maintainthe repayment process. In the case of default by the debtor, the bank has the rightto disburse the securities directly without public auction. For such reason, thewriter suggests that the provisions on bancassurance products is set forth in onesingle instrument so as to be more comprehensive and provisions on security oflaw especially on mortgage and fiduciary collateral, Bancassurance product is one of banking products consisting ofdeposit/investment combined with life assurance. One of the models is a depositin which the life insurance is incorporated. The bancassurance product, in itsprogress, may be used as banking security credit. The objective of this research isto identify how is characteristic of credit grant with secured bancassurance andhow the bank’s right as creditor, in the case of default, on such the creditprovision. The result shows that the characteristic of this credit grant exists in itssecurity agreement, in which there are 2 (two) securities bound together within 1(one) credit agreement namely deposit agreement and right to claim life insurancepremium. The existences of both securities assure that the debtor may maintainthe repayment process. In the case of default by the debtor, the bank has the rightto disburse the securities directly without public auction. For such reason, thewriter suggests that the provisions on bancassurance products is set forth in onesingle instrument so as to be more comprehensive and provisions on security oflaw especially on mortgage and fiduciary collateral] |
T41665-Hilda Lestari.pdf :: Unduh