Eksistensi Surat Penawaran Putusan Kredit (SPPK) dalam Perjanjian Kredit yang Memuat Klasula Baku Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Bintaro
DOI:
https://doi.org/10.31933/unesrev.v7i3.2435Keywords:
Agreement, Standard Agreement, Offering Letter, CreditAbstract
In common banking practice in Indonesia, the bank credit agreement used is a standard agreement or standard agreement, the clauses of which have been previously prepared by the bank, so that the customer as a prospective debtor only has the choice between accepting the entire contents of the clauses, either in part or completely or refuse, which will result in the customer not receiving the credit. As risk mitigation in implementing standard agreements, debtors are given a credit decision offer letter more commonly called an offering letter. An credit decision offering letter is a bank offer letter for credit approval addressed to the debtor. If the debtor agrees, then the offering letter is used as the basis for making a credit deed.
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References
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Hasanah, U., Hukum Perbankan, Setara Press, Surabaya, 2016.
Hilman Tisnawan, Akta Otentik dalam Pembuatan Perjanjian Kredit, Januari 2010, Volume 8, Nomor 1, Buletin Hukum Perbankan dan Kebanksentralan.
Ignatius Ridwan Widyadharma, Hukum Sekitar Pernajian Kredit, Universitas diponegoro, 1997.
M. Bahsan, Hukum Jaminan dan Jaminan Kredit Perbankan Indonesia, Raja Grafindo Persada, Jakarta, 2010.
M. Bahsan, Hukum Jaminan dan Jaminan Kredit Perbankan Indonesia, Raja Grafindo Persada, Jakarta, 2010.
Mariam Darus Badrulzaman, Aneka Hukum Bisnis, Alumni, Bandung, 1994.
Mariam Darus Badrulzaman, Perjanjian kredit Bank, Alumni, Bandung, 1978.
Niru Anita Sinaga dan Tiberius Zaluchu. (2017). Peranan Asas Keseimbangan Dalam Mewujudkan Tujuan Perjanjian. Jurnal Ilmiah Hukum Dirgantara Fakultas Hukum Universitas Dirgantara Marsekal Suryadarma, 8(1). 38-56.
Rachmadi Usman, Aspek-Aspek Hukum Perbankan di Indonesia, Gramedia Pustaka Utama, Jakarta. 2002.
Subekti, Pokok-Pokok Hukum Perdata, Intermasa, Jakarta, 1996.
Wirjono Prodjodikoro, Perbuatan Melanggar Hukum, Mandar Maju, Bandung, 2000.
Surat Edaran Direksi BRI nomor SE.28/DIR/KRD/07/2023 tentang Pedoman Pelaksanaan Kredit Kecil.
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Published
2025-05-01
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How to Cite
Eksistensi Surat Penawaran Putusan Kredit (SPPK) dalam Perjanjian Kredit yang Memuat Klasula Baku Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Bintaro. (2025). UNES Law Review, 7(3), 1295-1307. https://doi.org/10.31933/unesrev.v7i3.2435
