ANALISIS HUKUM TERHADAP KASUS KELEBIHAN BAYAR ANGSURAN DALAM PERJANJIAN KREDIT

Abstract

ABSTRACT

This research aims to determine the efforts to resolve defaults carried out by Bank M Makassar Branch and the juridical implications of bills that are overcharged by the bank. This research is normative legal research, namely a legal research method that functions to research the formation of law and the application of law in society. To obtain data, library research was carried out to find out the basics of the applicable law and then compare it with its application obtained through interviews with respondents. All data is then described and analyzed qualitatively. Based on the research results, the overpayment of credit installments at Bank M Makassar Branch in its implementation is an action that should not be collected by the Bank.

First, this is based on acts of default that were previously carried out by the Bank regarding the existing agreement between the parties. The default was caused by a difference in implementation between what was agreed and what was implemented, namely the Bank's negligence in determining the credit installment period so that it became longer. Second, the juridical implications of bills being overcharged mean that payments will not be owed for 24 months. Payments that are not owed are the rights of the Indebted Party which must be returned.

Keywords: Breach Of Contract, Credit Agreement, Bank.