Tanggung Jawab Hukum dalam Perjanjian Kredit Antara PT. BPR Cita Dewi dengan Nasabah

The need for economic transactions at this time is quite high. One of the providers of economic transaction services is a bank. One example of the convenience offered by banks is the provision of credit loans. The credit agreement is made with an agreement between the creditor and the creditor. This study aims to determine the process of implementing a credit agreement between PT. BPR Cita Dewi with the Customer, knowing the regulations as well as the rights and obligations of the parties in the credit agreement between PT. BPR Cita Dewi with Customers, knowing legal liability if one party makes a mistake based on Default and Unlawful Acts in the credit agreement between PT. BPR Cita Dewi with Customers. This study uses a normative approach, because what is being researched are legal rules, legal principles in legal responsibility for the implementation of credit agreements between PT. BPR Cita Dewi with Customers. The nature of the research is descriptive analysis because in this study the author will explain thoroughly and systematically about the legal responsibility for implementing the credit agreement between PT. BPR Cita Dewi with Customers. The results of the study indicate that the process of implementing the credit agreement before the agreement of the parties, namely the creditor and debtor, must meet several administrative and legal requirements. If these conditions have been met with the agreement in the credit agreement between PT. BPR Cita Dewi with the Customer then an agreement occurs, with the signing of the credit agreement, at that time a legal relationship arises from both parties Article 1338 and will give birth to rights and obligations between each party. The rights and obligations must be fulfilled by both parties, in carrying out the rights and obligations they must not violate the regulations that apply to the credit agreement, if one of the parties does not carry out their obligations due to making a mistake and taking actions that are not in accordance with the regulations contained in the agreement deed. credit, which results in a loss that is felt by one of the parties, then the party who made a mistake must have responsibility based on default and acts against the law, if so then he must compensate according to law