PERLINDUNGAN HUKUM KEPADA BANK RAKYAT INDONESIA (BRI) DALAM PENYALURAN KREDIT USAHA RAKYAT (KUR)

Abstract

The function of the bank is to collect money and issue it in the form of loans or credit to the public. In the
context of economic development, the government extends credit which is one of the bank services. The
funds that have been collected will be given to the community in the form of loans or the like as a way to
provide welfare for others. According to these laws and regulations, it can be said that the function of a
bank is to collect money from the public as savings and return what has been collected to those who need
it as credit. . However, there are still bad loans that have the potential to harm banks/creditors. The aim
of the research is to find out the form of legal protection for banks in the settlement of bad loans and the
form of its application. The type of research used is a normative legal method based on applicable laws
and regulations and literature research. The results of the study show that legal protection for Bank
Rakyat Indonesia in people's business credit loans is by submitting a KUR claim application to the
appointed insurance party and referring to articles 1311 and 1132 of the Civil Code regarding protection
in general, all movable and immovable property belonging to the debtor, both existing and future are
collateral for the debtor's agreement. As well as submitting applications in accordance with the
guidelines for the implementation of People's Business Credit.
Keywords: Legal protection; Bank; Bank Rakyat Indonesia; Distribution; People's Business Credit.