Legal Aspects Of Non-Performing Loan Settlement At BANK BRI In Boalemo

Authors

  • Fibriyanti Lakoro Universitas Bina Mandiri Gorontalo Author
  • Ikbal Kadir Universitas Bina Mandiri Gorontalo Author

Keywords:

Law, Credit, Default, Bank

Abstract

This study aims to analyze the implementation of cessie as a legal mechanism in resolving non-performing loans at Bank BRI Boalemo, focusing on its collaboration with the Tilamuta District Attorney's Office. Using a normative legal research method combined with empirical field data, the study examines statutory regulations such as the Indonesian Civil Code, Banking Law, Fiduciary Guarantee Law, and OJK regulations. Data were collected through literature review and interviews with relevant stakeholders. The results show that cessie provides an effective non-litigation solution in the transfer of receivables from banks to third parties, allowing for faster credit recovery and reduced litigation costs. From 2022–2024, 12 cases of non-performing loans were addressed through cessie, with 8 successfully recovered. However, challenges remain, including limited understanding of cessie by debtors, difficulty in finding third-party buyers, and lack of technical regulatory guidance. The study concludes that cessie, supported by inter-institutional cooperation, particularly with the prosecutor’s office, is a strategic tool for efficient, lawful debt recovery while preserving legal certainty and fairness for both creditors and debtors.

Downloads

Download data is not yet available.

References

Elmi, A. A., & Kartika, A. W. (2025). Penerapan Skema Cessie Atas Piutang Untuk Penyelesaian Pembiayaan Bermasalah di Bank Pembiayaan Rakyat Syariah X Cabang Krian. UNES Law Review, 7(3), 954–968.

Kurniawati, A., & Indriyani, S. N. (2022). Pengaruh Loan To Deposit Ratio, Net Interest Margin Dan Nonperforming Loan Terhadap Stabilitas Sistem Keuangan Perbankan Di Indonesia. Jurnal Manajemen Bisnis Krisnadwipayana, 10(1). https://doi.org/10.35137/jmbk.v10i1.676

Lubis, M. A., & Harahap, M. Y. (2023). Perlindungan Hukum Terhadap Kreditur Sebagai Pemegang Hak Jaminan Dalam Perkara Debitur Wanprestasi. Jurnal Interpretasi Hukum, 4(2), 337–343.

Lumunon, A. M., Roeroe, S. D., & Tinangon, E. N. (2025). Kajian hukum terhadap kepailitan bank berdasarkan Undang-Undang Nomor 10 Tahun 1998 tentang perbankan (Studi kasus PT. Bank Perkreditan Rakyat Indotama UKM Sulawesi di Makassar). Lex Administratum, 13(1).

Marzuki, P. M. (2017). Penelitian Hukum. Kencana.

Maulana, Y., Harjadi, D., & Lismawati, L. (2023). Pengaruh Kredit Bermasalah dan Penyaluran Kredit Terhadap Profitabilitas Bank BUMN Rerdaftar BEI. Equilibrium: Jurnal Penelitian Pendidikan Dan Ekonomi, 20(01), 55–61. https://journal.uniku.ac.id/index.php/Equilibrium

Megawati, T. P., Ramadhanti, A. D., & Fahmida, F. N. (2024). Akibat Hukum Penandatanganan Surat Kuasa Jual Mutlak Sebelum Debitor Mengalami Kredit Macet. Jurnal Ilmu Kenotariatan, 5(1), 76. https://doi.org/10.19184/jik.v5i1.47362

Meyling, M., Arda, D. P., & Saputri, H. (2023). ANALISIS PROSEDUR KEBIJAKAN PEMBERIAN KREDIT PERUMAHAN (GRIYA) PADA PT BNI (PERSERO) TBK KANTOR CABANG FATMAWATI JAKARTA. Jurnal Ekualisasi, 4(1), 48–62.

Mulyono, H., Idayati, I., & Sari, W. M. (2023). Analisis Penerapan Risiko Kredit Macet Pada Koperasi Simpan Pinjam “RIAS” P1. Mardiharjo. EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi Dan Bisnis, 11(1), 703–712.

Nurban, S. H. E. S. (2013). Penerapan Teori Hukum pada Penelitian Disertasi dan Tesis. Rajawali Pers.

Sari, K. N. P., & Dewi, A. . I. A. A. (2016). Implementasi Cessie Di Bank BRI Kantor Cabang Denpasar Gatot Subroto. OJS Unud - Universitas Udayana.

Soerjono Soekanto, S. M. (2014). Penelitian Hukum Normatif: Suatu Tinjauan Singkat. Rajawali Pers.

Tenritata, A. La, Afriana, A., & Harrieti, N. (2022). KEPASTIAN HUKUM TERKAIT PENGALIHAN PIUTANG ( CESSIE ) DALAM PRAKTIK KREDIT PEMILIKAN RUMAH DITINJAU DARI KITAB UNDANG-UNDANG HUKUM PERDATA LEGAL CERTAINTY RELATED TO TRANSFER OF RECEIVABLES ( CESSIE ) IN HOME OWNERSHIP LOAN PRACTICE REVIEWED FROM THE BOOK. JURNAL POROS HUKUM PADJADJARAN, 3(2), 327–340. https://doi.org/https://doi.org/10.23920/jphp.v3i2.765

Yulfasni, Y., & Hamler, H. (2023). Perlindungan Hukum Terhadap Penerima Cessie ( Cesionaris ) dalam Penyelesaian Kredit Macet Rumah Bersubsidi. Pagaruyuang Law Journal, 6(2), 164–178.

Downloads

Published

2025-06-18

Issue

Section

Articles