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"Produk bancassurance merupakan produk perbankan yang terdiri dari produk simpanan/investasi yang digabung dengan produk asuransi jiwa. Salah satu bentuknya yaitu berupa deposito yang dikemas dengan asuransi jiwa didalamnya. Dalam perkembangannya, produk bancassurance yang demikian dapat dijadikan sebagai jaminan kredit perbankan. Penelitian ini bertujuan untuk mengetahui bagaimana karakteristik pemberian kredit dengan jaminan produk bancassurance dan bagaimana dengan hak bank sebagai kreditor apabila terjadi wanprestasi dalam pemberian kredit tersebut. Hasil penelitian menjelaskan bahwa karakteristik pemberian kredit semacam ini terletak pada perjanjian pengikatan jaminannya, dimana ada 2 (dua) jaminan yang diikat secara bersamaan dalam 1 (satu) perjanjian kredit, yaitu pengikatan jaminan deposito dan hak klaim atas polis asuransi jiwa. Adanya kedua jaminan tersebut menjamin bahwa debitor dapat menjaga kelangsungan pelunasan pembayarannya. Apabila debitor wanprestasi, maka bank berhak untuk dapat langsung mencairkan kedua jaminan tersebut tanpa harus melakukan pelelangan di muka umum. Untuk itu, Penulis menyarankan agar ketentuan-ketentuan tentang produk bancassurance dituangkan dalam suatu wadah peraturan tersendiri agar lebih komprehensif dan perlu dilakukan penyempurnaan atas ketentuan-ketentuan tentang hukum jaminan, terutama mengenai jaminan gadai dan fidusia.

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Bancassurance product is one of banking products consisting of deposit/investment combined with life assurance. One of the models is a deposit in which the life insurance is incorporated. The bancassurance product, in its progress, may be used as banking security credit. The objective of this research is to identify how is characteristic of credit grant with secured bancassurance and how the bank?s right as creditor, in the case of default, on such the credit provision. The result shows that the characteristic of this credit grant exists in its security agreement, in which there are 2 (two) securities bound together within 1 (one) credit agreement namely deposit agreement and right to claim life insurance premium. The existences of both securities assure that the debtor may maintain the repayment process. In the case of default by the debtor, the bank has the right to disburse the securities directly without public auction. For such reason, the writer suggests that the provisions on bancassurance products is set forth in one single instrument so as to be more comprehensive and provisions on security of law especially on mortgage and fiduciary collateral."

"Bank merupakan lembaga keuangan yang memilki peran penting dalam rangka kesejahteraan masyarakat melalui berbagai jenis kegiatan perbankan. Salah satunya adalah pemberian kredit. Pemberian kredit ini tentunya ditujukan agar debitur yang membutuhkan dana dapat mendapatkan pinjaman dan agar bank juga mendapat keuntungan dalam bentuk bunga. Dalam pemberian kredit, bank harus berpegang kepada prinsip kepercayaan karena uang yang dipinjamkan kepada debitur merupakan uang titipan dari nasabah yang lain, meskipun telah berhati-hati tidak menutup kemungkinan bahwa kredit yang diberikan dapat menjadi kredit bermasalah. Kredit bermasalah dapat timbul karena berbagai faktor. Bank akan selalu berusaha untuk meminimalkan angka kredit bermasalah, diantaranya melalui upaya restrukturisasi kredit. Melalui Penelitian dengan metode yuridis normatif, penelitian ini membahas mengenai tinjauan hukum perkreditan pada perbankan di Indonesia serta upaya restrukturisasi kredit bermasalah. Pada penelitian ini akan dibahas mengenai upaya restrukturisasi kredit bermasalah antara PT. X dan PT. Y dengan Bank Z.

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Banks play an important role in creating and alleviating social welfare through its? activities. One of which is providing loans. Loans are given so that the debtor in need would be able to have funds and the bank would also benefit from receiving interests. In providing loans, a bank must uphold the fiduciary principle as the money belongs to other clients that have placed their trust upon said bank. Even when Banks have done their tasks carefully, there is still a possibility for the loan to become a non-performing loan. Non-performing loans occur due to numerous factors. Bank will always try to minimize the number of non-performing loans, one of the ways is through loan restructuring. By using normative legal research, this research will discuss the legal aspects of loans in banking and also loan restructuring as a method to mitigate non-performing loans. This research will also discuss the loan restructuring agreement in the non-performing loan between PT. X and PT. Y with Bank. Z."

"[ABSTRAKPenulisan skripsi ini dilatarbelakangi oleh belum adanya payung hukum terhadap protokol manajemen krisis untuk mencegah dan menangani krisis perbankan yang terjadi di Indonesia. Krisis perbankan tersebut berdampak bukan hanya bagi kegiatan perekonomian negara, melainkan bagi keadaan politik yang begitu luas. Dalam penulisannya, metode yang digunakan adalah yuridis normatif, yaitu metode yang dilakukan dengan meneliti bahan pustaka atau data sekunder.Tesis ini menyoroti sejarah krisis perbankan yang melanda Indonesia dan Inggris dan bagaimana mekanisme dan aplikasi Jaring Pengaman Sistem Keuangan yang ada pada masing-masing negara tersebut. Adapun pertimbangan yang melatarbelakangi penulis untuk mengakat tema ini adalah, kedua negara tersebut sama-sama terkena imbas krisis subprime mortgage dari US pada tahun 2008 dan keduanya sama-sama mengalami krisis perbankan akibat satu bank kecil yang berdampak sistemik. Namun, saat ini Inggris sudah memiliki Undang-Undang yang mengatur koordinasi antar lembaga/otoritas dalam mencegah krisis dan menjaga Stabilitas Sistem Keuangan negaranyaABSTRACTThe writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country;The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country, The writing of this thesis motivated by the absence of legal protection against the crisis management protocol to prevent and deal with the banking crisis that occurred in Indonesia. The banking crisis has an impact not only for the economic activities of the country, but also for a broad political circumstances. Method used in this writing is juridical-normative writing, which is done by examining material library or a mere secondary data.This thesis highlights the history of banking crisis that hit Indonesia and the UK and how the mechanism and application of the Financial System Safety Net that exist in each of these countries. As for the considerations underlying the author, to the theme of this is that these two countries are equally affected by the subprime mortgage crisis on the US in 2008 and both are experiencing a banking crisis as a result of a small bank with systemic impact. However, this time the UK already has a law that regulates the coordination between agencies / authorities in preventing crises and maintaining financial system stability country]"