Agreement on Home Loan (KPR) Due to Natural Disaster (Case Study in North Lombok Regency)

Haeva Hadi, Zainal Asikin, Muhammad Sood

Abstract


The objectives of this research are to analyse the obstacles that occur in the implementation of the agreement on Home Loan (KPR) when natural disaster occurs and to analyse the settlement of bad debt between the bank and the debtor when the physical KPR is severely damaged due to natural disaster especially those that occurred in North Lombok Regency. The research approach used in this study is the statute approach, conceptual approach, sociological approach, and case approach. The settlement of bad debt, between the bank and the debtor when natural disaster occurs in the North Lombok area that causes physical damage to the KPR, is that the bank rescues the bad Home Loan (KPR) by restructuring and giving a grace period in accordance with the Authority Regulation of Financial Services (POJK) No. 45/POJK.03/2017 concerning Special Treatment of Loans or Bank Financing for certain regions in Indonesia that are affected by natural disaster. Then, the debtor, in terms of settling this bad debt, does not make a written request for the rescue efforts offered by the bank. If this rescue effort is unsuccessful, the next solution, carried out by the bank on the physical Home Loan (KPR) which affected severe damage due to the earthquake in the North Lombok area, is to submit to the debtor to write-off the loan agreement.


Keywords


Obstacles; Natural Disaster; Loan Agreement; Settlement of the Loan Agreement

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References


Books

Djumhana , M. (2003). Hukum Perbankan di Indonesia, cet. IV, PT. Citra Aditya Bakti, Jakarta.

Muhammad, A. (2014). Hukum Perdata Indonesia, Cet. Ke-V, PT. Raja Grafindo Persada, Jakarta.

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Journals

Alanshari, F., & Marlius, D. (2018). Prosedur Pemberian Kredit KPR Pada PT. Bank Tabungan Negara (Persero) TBK Cabang Pembantu Bukittinggi.

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Diyanti, A., & Widyarti, E. T. (2012). Analisis Pengaruh Faktor Internal dan Eksternal terhadap terjadinya Non-Performing Loan (Studi Kasus pada Bank Umum Konvensional yang Menyediakan Layanan Kredit Pemilikan Rumah Periode 2008-2011) (Doctoral dissertation, Fakultas Ekonomika dan Bisnis).

Dwianingrum, T. (2014). Determinasi Tingkat Penyaluran Kredit Pemilikan Rumah (Periode Setelah Kebijakan Loan to Value). Jurnal Ilmiah Mahasiswa FEB, 3(1).

Hanum, C. (2009). Stategi Bank BTN Syariah dalam pembiayaan KPR bermasalah: Studi kasus pada Bank BTN kantor cabang Syariah Jakarta.

Wulandari, I., Saifi, M., & Azizah, D. F. (2016). Analisis Kebijakan Loan to Value Sebagai USAha Meminimalisir Kredit Bermasalah Dalam Penyaluran Kredit Pemilikan Rumah (Studi Kasus Pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Kediri). Jurnal Administrasi Bisnis, 38(1), 115-124.

Legislation

Law No. 10 of 1998 concerning Amendment to Law No. 7 of 1992 concerning Banking (State Gazette of the Republic of Indonesia No. 182 of 1998, Supplement to State Gazette No. 3790).

Bank Indonesia Regulation No. 7/2/PBI/2005 concerning Asset Quality Rating for Commercial Banks.

Financial Services of Authority Regulation No. 45/POJK.03/2017 concerning Special Treatment of Loans or Bank Financing Institutions for Certain Areas in Indonesia Affected by Natural Disaster.

Interview

Interview with Lalu Muhammad Fahri (skip trace coordinator of PT Bank Tabungan Negara), on April 17, 2019.

The results of interviews obtained from several respondents (owners of KPR units in North Lombok).




DOI: http://dx.doi.org/10.18415/ijmmu.v6i3.824

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