providing briguna loans accompanied by collateral to civil servants at bank rakyat indonesia limited company (persero) tbk company in padang branch

Briguna credit is credit given to prospective borrowers with a source of financing (repayment)derived from a fixed income source or fixed income (salary). one of the target markets for this loan iscivil servants, by fulfilling the requirements of salaries and decree on appointment of civil servants. forthis reason, the provisions regarding briguna credit in general are not requested for collateral in the formof immovable or movable objects. every credit given by a bank to its customers raises what is calledcredit risk, as does the case with briguna credit. the risk in question is the failure of the customer inreturning credit in the form of installments up to the full credit agreed at the beginning of the creditagreement. in this study two problem formulations were formulated. the data used are primary data in theform of interviews and document and library studies and secondary data sourced from primary legalmaterials and secondary legal materials. to analyze the data, a qualitative analysis was conducted. theprovision of briguna credit accompanied by guarantees to civil servants at the bank rakyat indonesialimited company in padang branch was motivated by: the character of the debtor in paying obligations,decreasing the salaries of civil servants in connection with the termination of the position of civil servantsas well as the transfer of the bank payment of civil servants' salaries to competitor banks and influencingthe ability to pay briguna credit by civil servants applying for credit, so as to avoid the occurrence of nonperformingloans in accordance with the account officer analysis and adjusment official decision basedon the precautionary principle of asking for the guarantee to be guaranteed and the guarantee request isapproved by the debtor on the grounds of the need for credit, the requirements are easier than a homeownership credit or motorized vehicle loan, feeling safe if kept at a bank. the position of collateral inthe granting of briguna credit is only kept in a bank rakyat indonesia limited company (persero) tbkpadang branch until the briguna credit is paid off, the proof of delivery is only with a receipt ofguarantee, in this case the guarantee is only a moral binding that is to give a psychological impact on thedebtor to be more responsible in paying briguna credit installments.