1Umaira Hayuning Anggayasti, 2Feri Satria Wicaksana Effendy
1,2Faculty of Law, Universitas Diponegoro, Jl. dr. Antonius Suroyo, Tembalang, Semarang, Indonesia
DOI : https://doi.org/10.47191/ijmra/v7-i12-05Google Scholar Download Pdf
ABSTRACT:
prudential principle is a fundamental pillar in maintaining the stability and security of bank finances, especially in the distribution of credit with fiduciary guarantees for trade receivables. Credit secured by trade receivables has special characteristics that require a more in-depth risk evaluation, given the intangible nature of receivables and dependence on the ability of third parties to pay. This study discusses how the prudential principle is applied by banks in the process of creditworthiness analysis, assessing the quality of trade receivables as collateral, and managing related risks, including liquidity, default, and legal risks. In addition, this study highlights the importance of fiduciary registration and complete legal documentation to protect banks from potential legal disputes and ensure effective collateral execution in the event of default. By implementing strict prudential principles and comprehensive risk management, banks can minimize the risks associated with the distribution of credit guaranteed by fiduciary on trade receivables, thereby maintaining their financial and operational stability.
KEYWORDS:Prudential principle, bank credit, fiduciary, trade receivables, credit risk.
REFERENCES1) Abubakar, Lastuti; Tri Handayani. “Implementasi Prinsip Kehati-Hatian Melalui Kewajiban Penyusunan Dan Pelaksanaan Kebijakan Perkreditan Atau Pembiayaan Bank.” Rechtidee 13, no. 1 (2018): 62–81.
2) Budiman, Nanang Tri, and Supianto Supianto. “Penerapan Kebijakan Tentang Prinsip Kehati-Hatian Dalam Pemberian Kredit Perbankan.” Widya Yuridika 3, no. 2 (2020): 327.
3) Eka, Oktaria Travilta. “Prinsip Mengenal Nasabah, Penerapan, Prinsip Kehati-Hatian, Lembaga Perbankan.” Perkembangan Hukum di Indonesia (2018): 193.
4) HANI LISDIYANI. “IMPLEMENTASI JAMINAN FIDUSIA DALAM PEMBERIAN KREDIT DI BMT TAMZIS YOGYAKARTA.” Universitas Islam Negeri Sunan Kalijaga Yogyakarta. Universitas Islam Negeri Sunan Kalijaga Yogyakarta, 2015.
5) Mulyati, Etty, and Fajrina Aprilianti Dwiputri. “Prinsip Kehati-Hatian Dalam Menganalisis Jaminan Kebendaan Sebagai Pengaman Perjanjian Kredit Perbankan.” Acta Diurnal Jurnal Ilmu Hukum Kenotariatan dan ke-PPAT-an 1, no. 2 (2018): 134.
6) Paparang, Fatma. “Implementasi Jaminan Fidusia Dalam Pemberian KreditDi Indonesia.” Jurnal LPPM Bidang EkoSosBudKum 1, no. 2 (2014): 56–70. https://ejournal.unsrat.ac.id/index.php/lppmekososbudkum/article/view/7220.
7) Perwirasari, Diah Pradhani, and Zulfika Ikrardini. “Penerapan Prinsip Kehati-Hatian Dalam Penyaluran Kredit Usaha Rakyat Non Agunan Ditinjau Dari Sisi Hukum Perikatan.” Jurnal Dialektika Hukum 2, no. 2 (2020): 148–172.
8) Sabir, Muhammad, and Rifka Tunnisa. “Jaminan Fidusia Dalam Transaksi Perbankan (Studi Komparatif Hukum Positif Dan Hukum Islam).” Mazahibuna: Jurnal Perbandingan Mazhab 2, no. 1 (2020): 80–97.
9) Winarno, Jatmiko. “Perlindungan Hukum Bagi Kreditur Pada Perjanjian Jaminan Fidusia.” Jurnal Independent 1, no. 1 (2013): 44. Press, 1985)
10) Ronny Hanitijo S, Metodologi Penelitian Hukum dan Jumetri, (Jakarta : Ghalia Indonesia, 1988)
11) Zainudin Ali, Metode Penelitian Hukum, (Jakarta : Sinar Grafika, 2009),
Volume 07 Issue 12 December 2024
There is an Open Access article, distributed under the term of the Creative Commons Attribution – Non Commercial 4.0 International (CC BY-NC 4.0) (https://creativecommons.org/licenses/by-nc/4.0/), which permits remixing, adapting and building upon the work for non-commercial use, provided the original work is properly cited.
Our Services and Policies
Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected.
The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.
International Journal of Multidisciplinary Research and Analysis will publish 12 monthly online issues per year,IJMRA publishes articles as soon as the final copy-edited version is approved. IJMRA publishes articles and review papers of all subjects area.
Open access is a mechanism by which research outputs are distributed online, Hybrid open access journals, contain a mixture of open access articles and closed access articles.
International Journal of Multidisciplinary Research and Analysis initiate a call for research paper for Volume 07 Issue 12 (December 2024).
PUBLICATION DATES:
1) Last Date of Submission : 26 December 2024 .
2) Article published within a week.
3) Submit Article : editor@ijmra.in or Online
Why with us
1 : IJMRA only accepts original and high quality research and technical papers.
2 : Paper will publish immediately in current issue after registration.
3 : Authors can download their full papers at any time with digital certificate.
The Editors reserve the right to reject papers without sending them out for review.
Authors should prepare their manuscripts according to the instructions given in the authors' guidelines. Manuscripts which do not conform to the format and style of the Journal may be returned to the authors for revision or rejected. The Journal reserves the right to make any further formal changes and language corrections necessary in a manuscript accepted for publication so that it conforms to the formatting requirements of the Journal.