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"Seperti yang telah kita ketahui bank dalam melakukan kegiatannya memperoleh sebagian besar dananya dari dana masyarakat dalam bentuk tabungan yang kemudian disalurkan kepada masyarakat dalam bentuk kredit. Terdapat batasan mengenai pemberian kredit yakni Batas Masimum Pemberian Kredit (BMPK) yang berfungsi untuk menghindari pemberian kredit yang melebihi presentase maksimum kepada pihak-pihak tertentu, karena pemberian kredit yang melebihi presentase tersebut dapat mengakibatkan kegagalan bank, jika kredit tersebut macet. Kegagalan bank dapat merusak kepercayaan masyarakat terhadap produk perbankan terutama nasabah penyimpan dana yang telah memberikan kepercayaan atas dana yang disimpannya kepada bank. Oleh karena itu perlu adanya perlindungan hukum terhadap nasabah penyimpan dana dalam hal bank melanggar BMPK.

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As we know that bank has an activity in conducting collection o f funds to the public and distribution that funds by loans. There is limit to distribute loan it is Legal Lending Limit, which has function to avoid distribution of loans by the maximum percentage o f outstanding loan to parties who have a capacity with that bank, because its occurs failure of bank if its loan failed to paid. The failure of bank could reveal people trust to bank, especially to customer funds. Its needed to give law protection to customer in case bank breaking the rule of legal lending limit."

"Seperti yang telah kita ketahui bank dalam melakukan kegiatannya memperoleh sebagian besar dananya dari dana masyarakat dalam bentuk tabungan yang kemudian disalurkan kepada masyarakat dalam bentuk kredit. Terdapat batasan mengenai pemberian kredit yakni Batas Masimum Pemberian Kredit (BMPK) yang berfungsi untuk menghindari pemberian kredit yang melebihi presentase maksimum kepada pihak-pihak tertentu, karena pemberian kredit yang melebihi presentase tersebut dapat mengakibatkan kegagalan bank, jika kredit tersebut macet. Kegagalan bank dapat merusak kepercayaan masyarakat terhadap produk perbankan terutama nasabah penyimpan dana yang telah memberikan kepercayaan atas dana yang disimpannya kepada bank. Oleh karena itu perlu adanya perlindungan hukum terhadap nasabah penyimpan dana dalam hal bank melanggar BMPK.

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As we know that bank has an activity in conducting collection o f funds to the public and distribution that funds by loans. There is limit to distribute loan it is Legal Lending Limit, which has function to avoid distribution of loans by the maximum percentage o f outstanding loan to parties who have a capacity with that bank, because its occurs failure of bank if its loan failed to paid. The failure of bank could reveal people trust to bank, especially to customer funds. Its needed to give law protection to customer in case bank breaking the rule of legal lending limit."

"Credit facilities given by the banks often pose problems to the banks and its officers due to the changing of economics environment and the changing of debtor's attitude. These conditions of course are beyond the control of bank officers. The law concerning the bank system also can not keep up with these changing of environments. The law, which is a specialist law, often only gives a very vague guidance and composed in very general terms while in fact the nature of banking business is very complicated business. This article is written due to give contribution in approaching some problems in balancing the risk of giving credit facilities and the necessity to have funds in doing economics activities at a time of economics development."