Analisis Penerapan Asas-Asas Hukum Dalam Perjanjian Kredit Perbankan

Abstract

Tujuan penelitian menganalisis penerapan asas-asas hukum dalam perjanjian kredit perbankan pada Bank BTPN dengan menggunakan metode penelitian normatif. Hasil penelitian bahwa Bank BTPN telah memperhatikan asas-asas hukum dalam menyusun perjanjian kredit, termasuk menyajikan informasi transparan kepada nasabah dan melakukan evaluasi kredit secara obyektif. Demikian pula, nasabah juga diharapkan memiliki pemahaman mendalam tentang isi perjanjian sebelum menandatanganinya. Dengan demikian, tercapai keseimbangan hak antara bank dan nasabah dalam perjanjian kredit perbankan di Bank BTPN. Penelitian ini diharapkan dapat memberikan pemahaman lebih lanjut mengenai pentingnya mematuhi asas-asas hukum dalam perjanjian kredit dan kontribusinya terhadap perlindungan kepentingan kedua belah pihak.

The research objective is to analyze the application of legal principles in banking credit agreements at Bank BTPN using normative research methods. The research results show that Bank BTPN has paid attention to legal principles in preparing credit agreements, including presenting transparent information to customers and carrying out objective credit evaluations. Likewise, customers are also expected to have an in-depth understanding of the contents of the agreement before signing it. In this way, a balance of rights is achieved between the bank and the customer in the banking credit agreement at Bank BTPN. It is hoped that this research can provide further understanding regarding the importance of complying with legal principles in credit agreements and its contribution to protecting the interests of both parties.