IMPLEMENTASI BANK GARANSI PADA SEKTOR RILL PENGUSAHA PEREMPUAN MIKRO DALAM PEMBERIAN KREDIT PERBANKAN

Kurnianingsih Kurnianingsih (1) , Gandhi Pharmacista (2)
(1) Fakultas Hukum Universitas Pasundan Bandung , Indonesia
(2) Fakultas Hukum Universitas Pasundan Bandung , Indonesia

Abstract

 
The main activity of a financial institution is to finance capital in a business sector, in addition to other businesses. Financial Institutions are institutions that are inseparable from economic activities because these institutions act as a medium between owners and users of capital. Micro, Small and Medium Enterprises (UMKM) are becoming the prima donna, and have been empowered since almost 20 years ago although the results to date have not been encouraging. Therefore, it is necessary to look for a new format that is such different from the previous one that UMKM do not run in place. Strategic efforts are needed to empower UMKM to support the economy as happened in Japan and Taiwan. The research method used here is descriptive analytical, with an empirical juridical approach because the problems that revolve around the laws and regulations will also be seen its application in practice. Now UMKM have the opportunity to continue to grow and banks continue to set aside credit for the real sector. Although the amount of credit disbursed is quite large, the development of UMKM in Indonesia is still hampered by a number of problems. Entering the era of globalization, entrepreneurs are competing to advance their respective businesses with quite fierce competition. To be able to survive, entrepreneurs, in addition to requiring the law to guarantee legal certainty in action, also need a financial institution in the form of banking that can guarantee the smooth running of their business.
Keywords: Responsibility, Bank Guarantee, Default.

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References

Anshori, A. G. (2010). Penyelesaian Sengketa Perbankan Syariah. Yogyakarta: Gadjah Mada University Press.

Kasmir, K. (2000). Manajemen Perbankan (6th ed.). Jakarta: Raja Grafindo Persada.

Muhammad, A. (2009). Hukum Perikatan. Bandung: Citra Aditya Bakti.

Authors

Kurnianingsih Kurnianingsih
kurnianingsih@unpas.ac.id (Primary Contact)
Gandhi Pharmacista
Author Biography

Gandhi Pharmacista, Fakultas Hukum Universitas Pasundan Bandung

Dosen Fakultas Hukum Universitas Pasundan Bandung

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