PERANAN PENANGGUNGAN DALAM HAL DEBITOR WANPRESTASI

Abstract

Today, human needs are very diverse and the cost of human life is high. So that in getting costs to meet their daily needs, they can borrow money from banks, cooperatives, and other people. The formulation of the problem in this journal is how the guarantor's responsibility to the creditor if the debtor is unable to fulfill his performance and how the credit settlement efforts if the debtor cannot fulfill his performance to the creditor. This research uses normative research method. The results of the analysis show that the guarantor is not absolutely responsible because there is a credit guarantee between the creditor and the debtor, and efforts to resolve non-performing loans can be made through three stages, namely rescheduling, re-requirements, and restructuring.