Peranan Lembaga Asuransi Kredit Bagi Perbankan: Sebuah Tinjauan Hukum  

Oleh:

Sitompul, Zulkarnaen

Jenis: Article from Journal - ilmiah nasional - tidak terakreditasi DIKTI
Dalam koleksi: Jurnal Hukum Bisnis vol. 22 no. 2 (2003), page 5-10.
Topik: Asuransi; lembaga asuransi kredit

Ketersediaan

Perpustakaan Pusat (Semanggi) Nomor Panggil: JJ102.3 Non-tandon: 1 (dapat dipinjam: 0) Tandon: tidak ada

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Isi artikel

The banking sector retail faces with difficulty in analyzing capability of business micro segment. Many small and medium businesses do not implement food corporate governance. This condition of small medium business (SMB) creates troublesome to the banking in dealing with analysis of SMB's financial if the SMB wishes to submit its credit proposal. Therefore, many parties ask for government to establish a supported infrastructure such as institution of credit guarantee as an umbrella for the existence of SMBs. The opposite party remains to the unfortunate history of PT. Askrindo which is an institution of credit guarantee established for at the early stage to guidance and warranty SMBs in relations to the banking. However in practice the involvement of the institution has created new problem since debitors who cannot repay their debts, have overred their debts to the institution. The supporter party argues that the failure of PT. Askrindo caused by the happening of moral hazard as the consequence of political involvement on financila sector and the weakness of the banking control system of bank indonesia over the operation of national bank as well as the least morality of bank owners and bankers. The ultimate problem is how to control the institution of credit guarantee steril from politics intervention and to achieve its mision effectively. Clearly independency and prudential factor of the institution have to be implemented as basic operation. Independency factor protects the institution from politics intervention whilst prudential factor prevents the institution that gives guarantee just to the solvent business.

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