EFEKTIVITAS JAMINAN PERORANGAN (PERSONAL GUARANTEE) DALAM MENUNJANG PENYELESAIAN KREDIT BERMASALAH DI BANK BRI CABANG SURAKARTA DAN BANK BNI SYARIAH CABANG SURAKARTA

Abstract

Abstract
This article aims to determine the effectiveness of personal guarantees on the settlement of nonperforming loans at the Bank BRI of Surakarta Branch and Bank BNI Syariah of Surakarta Branch. This study uses empirical
(nondoctrinal) legal research methods with the nature of descriptive research and qualitative approaches. The study uses qualitative methods with primary data sources and secondary data sources in the form of primary legal materials, secondary legal materials, and tertiary legal materials.  Data collection techniques in the form of taking primary data from interviews or interviews accompanied by studies of supporting documents. The results of the study indicate that there is a guarantee of individuals (borgtocht) in the form of coorporate guarantees and personal guarantees as an additional guarantee after the existence of material guarantees (fixed assets) but is able to be a tool for creditors in monitoring the continuity of the debtor’s business. Based on the results of the study according to the authors it can be seen that the effectiveness of individual guarantees in the settlement of non-performing loans is less effective because it is less able to guarantee the completion of credit at the BRI Branch of Surakarta Branch and Bank BNI Syariah Surakarta Branch considering the execution of the execution is too complicated. As well, these two banks have never sued the execution of individual guarantees to the District Court. During this time credit settlement uses fixed assets
Keywords: Effectivity, Credit, Persnal Guarantee

Abstrak
Artikel ini bertujuan mengetahui efektivitas jaminan perorangan (personal guarantee) pada penyelesaian kredit bermasalah di Bank BRI Cabang Surakarta dan Bank BNI Syariah Cabang Surakarta. Penelitian ini menggunakan metode penelitian hukum empiris (nondoktrinal) dengan sifat penelitian deskriptif and pendekatan kualitatif. Penelitian menggunakan metode kualitatif dengan sumber data primer dan  sumber data sekunder berupa bahan hukum primer, bahan hukum sekunder, dan bahan hukum tersier.  Teknik pengumpulan data berupa pengambilan data utama dari wawancara atau interview yang disertai dengan studi dokumen-dokumen pendukung. Hasil penelitian menunjukkan bahwa adanya jaminan Perseorangan (borgtocht) baik berupa coorporate guarantee maupun personal guarantee sebagai jamminan tambahan setelah adanya jaminan kebendaan (fixed asset) namun mampu sebagai alat bantu kreditur daalam memonitor kelangsungan usaha debitor. Berdasarkan hasil penelitian menurut penulis dapat diketahui bahwa efektivitas jaminan perorangan dalam penyelesaian kredit bermasalah kurang efektif karena kurang dapat  menjamin penyelesaian kredit di Bank BRI Cabang Surakarta dan Bank BNI Syariah Cabang Surakarta mengingat pelaksanaan eksekusi yang terlalu rumit. Serta, kedua bank ini belum pernah melakukan gugatan eksekusi jaminan perorangan ke Pengadilan Negeri. Selama ini penyelesaian kredit menggunaka jaminan kebendaan (fixed asset)
Kata kunci: Efektivitas, Pemberian Kredit, Jaminan Perorangan