TINJAUAN HUKUM SERTIFIKAT GURU SEBAGAI AGUNAN DALAM PEMBIAYAAN DI BANK PEMBIAYAAN RAKYAT SYARIAH DANA MULIA SURAKARTA

Dra, Gracia Weningayu (2019) TINJAUAN HUKUM SERTIFIKAT GURU SEBAGAI AGUNAN DALAM PEMBIAYAAN DI BANK PEMBIAYAAN RAKYAT SYARIAH DANA MULIA SURAKARTA. Other thesis, Universitas Sebelas Maret.

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    Abstract

    ABSTRACT Gracia Weningayu Dradjad. 2019. E0015169. LEGAL REVIEW OF TEACHER CERTIFICATE AS A COLLECTION IN FINANCING IN SYARIAH SOCIETY FINANCING BANK DANA MULIA SURAKARTA. Legal Writing. Faculty of Law Sebelas Maret University. As the need for funds is currently increasing, the bank provides a solution by providing credit or financing facilities which of course requires a collateral to minimize losses. Recent developments, guarantees are not limited to those that have been regulated by law such as pawning, fiduciary, mortgage right and borgtocht, but now there are other objects that can be guaranteed such as teacher certificates This research aims to determine the legal construction of teacher certificates as collateral in terms of guarantee law in Indonesia and the basis for providing funding with teacher certificates and obstacles experienced in its implementation in Syariah Society Financing Bank Dana Mulia Surakarta. This research is empirical legal research that is descriptive, with a qualitative approach. The research data source consists of primary data, namely data obtained directly in the field by interviewing BPR Syariah Dana Mulia Surakarta’s legal admin and several customers, then secondary data comes from the study of official documents, books, research results in the form of reports. Data collection techniques used are field studies and literature, then the data analysis technique used is to collect data and then do the reduction or processing of data, resulting in data presentation and so on conclusions or verifications are taken. The results of this study, it is known that teacher certificates pledged in Syariah Society Financing Bank Dana Mulia Surakarta are included in the category letters of value and are intangible-movable objects that do not qualify as objects that can be guaranteed, however their use as collateral is effective in practice. The basis for the financing by Syariah Society Financing Bank Dana Mulia Surakarta with collateral for teacher certificates is a sense of confidence and trust in customers. Constraints experienced in its implementation include customer delinquency that diverts his professional allowance to new bank accounts, professional allowances that do not decrease due to customers who have died or revoked their rights, and the professional allowance is given latety. Keyword: Financing; Collateral; Teacher Certificate.

    Item Type: Thesis (Other)
    Subjects: K Law > K Law (General)
    Divisions: Fakultas Hukum
    Fakultas Hukum > Ilmu Hukum
    Depositing User: Fransiska Meilani
    Date Deposited: 09 Apr 2019 23:02
    Last Modified: 09 Apr 2019 23:02
    URI: https://eprints.uns.ac.id/id/eprint/43614

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