The implementation of credit to the Village Economic Business (UEK) an independent blessing self-empowerment Titian Antui, Bengkalis district begins with the agreement between the debtors and the UEK (creditors) which is written or put in the form of credit agreements (SP2K) where it will beget rights and obligations between each party. In the form of credit for the economic growth of selfempow…
This research aims to apply the Support Vector Machine (SVM) method in predicting borrower eligibility as a solution to the problem of accumulating credit application data caused by a large number of applicants, making it difficult for employees in the credit granting consideration process. By using SVM, this research went through several stages, from reading the dataset, handling missing value…
Rumah KPR yang memiliki subsidi tidak diperbolehkan dilakukan pengalihan kepemilikan terkecuali sudah dihuni lebih dari 5 tahun. Namun kenyataannya dilapangan permasalahan ini masih ada pihak-pihak terkait yang melakukannya dan melanggar ketentuan tersebut. Jadi masih terjadi kesenjangan dilapangannya dengan aturan yang mengatur dikarenakan belumlah memberikan efektifitas dalam pemberlakuan ket…
The Covid-19 outbreak has had an adverse impact on the Indonesian economy, including banking. The risk posed is the large number of borrowers who experience credit problems. This problem credit is caused because the borrower cannot fulfill the agreement that has been signed in the credit agreement. The main risk of banking is non-performing loans, if the amount of credit has exceeded the limit …
In a fiduciary agreement, the object that is used as the object of the fiduciary guarantee is still in the control of the owner of the object (the debtor) and is not controlled by the creditor, so in this case it is the surrender of ownership of the object without handing over the physical object. The creditor entrusts the debtor to continue to use the collateral in accordance with its function…
Home Ownership Credit is a credit provided by banks to customers, so that they be able to buy a house or for other needs with collateral in the form of a house. In practice, the circulation of money through credit is not always smooth and can be called a bad credit. In essence, people who borrow from banks are economically weak, and it is possible that sometime a disaster or something unexpecte…
The author's interest in settling bad loans to debtors that include guarantees for private employee decrees (SK) at PT Bank Perkreditan Rakyat Unisritama is because guarantees for employee decrees (SK) are not objects that can be traded or transferred, as well as a clause in the credit agreement between PT Bank Percreditan Rakyat Unisritama with the debtor stating "if the debtor cannot repay th…
Rumah KPR yang memiliki subsidi tidak diperbolehkan dilakukan pengalihan kepemilikan terkecuali sudah dihuni lebih dari 5 tahun. Namun kenyataannya dilapangan permasalahan ini masih ada pihak-pihak terkait yang melakukannya dan melanggar ketentuan tersebut. Jadi masih terjadi kesenjangan dilapangannya dengan aturan yang mengatur dikarenakan belumlah memberikan efektifitas dalam pemberlakuan ket…
The background of the problem is that there are still financial institution companies that do not register fiduciary guarantee objects at the fiduciary registration office so that they do not create material agreements for the fiduciary guarantee, so that material characteristics such as 'droit de suite' and 'preference rights' are not attached to creditors receiving fiduciary. The formulation …
Fictitious credit is the disbursement of credit provided by banks to customers, but using fictitious data, meaning that the bank's internal parties make credit data disbursed not in actual circumstances to a customer, the wider the activity in the banking world, providing opportunities for crimes to commit crimes, one of which is in the distribution of credit which will later pose a risk to the…