UPAYA YANG DILAKUKAN BANK BRI UNIT TANJUNG REJO KOTA MALANG ATAS PENYELESAIAN KLAIM ASURANSI YANG DITOLAK OLEH PT ASKRINDO TERKAIT DENGAN WANPRESTASI DEBITUR DALAM KREDIT USAHA RAKYAT (KUR)

The purpose of this research is to know the process of settlement of Business Credit (KUR) by bank through insurance claim at PT. Askrindo, the factors causing the non-payment of the business people's credit insurance claim (KUR) filed by the bank to PT Askrindo and the efforts made by the Bank in addressing the wanpresatsi People's business credit due to the rejection of some of the sentiments by PT Askrindo.Untuk obtain information or accurate data, the authors do research at PT Bank Rakyat Indonesia Unit Tanjungrejo city of Malang, research method used is sociological juridical. Source of data consists of primary data that is result from interview and secondary data that is primary and secondary law data. Data collection method with observation and interview. Based on the data obtained by the settlement of wanprestasi through insurance claim on PT askrindo by completing the terms and conditions which are advised by Askrindo party, the debtor that can be submitted an insurance claim is the debtor with the collectability of 4 or delinquent more than 3 months, the factors causing the non-payment of claim (KUR) applied by the bank to PT Askrindo which is an expired claim or a claim filing letter from the bank through 6 months since the KUR is due, the completeness of the file requested by PT Askrindo is not equipped by the bank, the difference of the provision data , and high rotation of ( KUR) implementation bank officials resulted in miscommunication between old KUR officers and new ones regarding KUR insurance claims submission. Efforts made by the first bank pihk is to impose warranties as well as by way of resolving the administration (rescheduling, reconditioning and restructuring), division and guidance of customers, collateral taken over (AYDA) and through the litigation pat