Legal Protection of Customers in Credit Agreements With Collaterates of Land Rights
D Andara (a*), IK Dewi (b)
a) Law Study Program, Faculty of Law, Universitas Muhammadiyah Buton, Baubau, Indonesia
*darojatandra[at]gmail.com
Abstract
Economic development as part of national development, is one of the efforts to create a just and prosperous peoples welfare based on the Pancasila and the 1945 Constitution of the Republic of Indonesia The purpose of this study was to determine the form of legal protection for customers in credit agreements with land rights collateral at Bank Syariah Mandiri Baubau Branch. This study was conducted at the Bank Syariah Mandiri Baubau Branch. Samples from this study were 13 informants. Sampling of customers will be done by simple random sampling, The form of legal protection for customers (mudharib) is: (a) the Bank Syariah Mandiri Baubau Branch Office will store the mudharib file into the hasanah room and secure it in a safe monitored through closed circuit television (cctv) and alarmed, where the room is anti-fire and flood and theft; (b) There is a security guarantee from the officer, with a 24 hour security system, so that the mudharib file will be protected from the danger of theft; (c) There is legal protection for mudharib in accordance with Article 38 paragraph (1) of the Law of the Republic of Indonesia Number 21 of 2008 concerning Sharia Banking; (d) There are opportunities for mudharib to learn the terms of the financing agreement, so that the mudharib do not feel cheated.
Keywords: Legal Protection, Customers, Credit Agreements, Collaterates, Land Rights
Topic: Law