Peranan Lembaga Asuransi Dalam Pemberian Kredit Perbankan (Studi Pada PT. Bank Negara Indonesia(Persero) Tbk Cabang Kabanjahe)

Abstract

Insurance company is an association which is created and formed expressly as undertaking association and receiving the risk. So, actually the insurance company offer protection services as their product to society who is needed, and then it is expected will be their customer. To get the aim, the insurance company will invite every side to joint or make cooperation to face the possibility of loosing which occurs actually unaware and not ready to be faced. Specifically, each of the insurance company has the characteristics and the exclusive of operational objectives to get their target. Therefore, the insurance company is designed and organized in such a way in order to do their function as undertaking association and receiving the risk for other sides. There are object which can be insured in a credit agreement such as, debtor life insurance, guarantee insurance on the loosing thing risk, destroy because of burning, and the risk unplayable by debtor, so that for this case, it is needed to do closing the insurance which is signed in a section at the credit agreement, therefore, if occurs the risk the significant of creditor still protect. Base on the explanation in previously, so there are some matters which are the main point of the problem in this research such as, what is the factor which cause the giving credit facility to debtor is a problem toward bank. How is the responsibility of insurance company to overcome the claim on the risk which occurs in a credit agreement?. How the role of insurance company in giving credit in Bank BNI 46 (Persero) Tbk Cabang Kabanjahe. In this research, the data analyzed is done through collecting the primary and secondary data. After primary data and secondary data collected, then the data will be selected, organized, and analyzed as qualitatively. After that the data is translated as systematic logically by using deductive and inductive methods so this writing can produce the answer and conclusion which is suitable to the problem and the objective of research, and then prepared in the formed descriptively. The factors which can cause the credit to clog up, it can be resulted from debtor factor it is there is no good intention from debtor where the debtor at the time propose the credit cover dilapidated their financial company by giving the falseness financial. The factor from creditor herself is there is no a good intention from the official or employer from the bank itself who expressly do the things which can be suffer loss the bank like bribery, corruption, colusi, and etc. The management of credit documentary who is not good and then it does not do the monitoring on every credits which is given to debtor, also can cause it in the problem. Insurance as an agreement between two or more side, where the guarantor tie himself to endorser by receiving premium to give substitution for endorser because of the loss, break or loss of income which is expected, or responsibility of the law to the third side that may be felt endorser, which occur from uncertain event, or to give a payment which is based on someone die or life who has been responsible. PT.Bank Negara Indonesia (Persero) Cabang Kabanjahe gives credit protection for little customer by legal approaches and precisely to create the condition where the credit payment still can be done later if occur log up the credit by customer, so bank still can operate consistently. In this activity PT Bank Negara Indonesia (Persero) Cabang Kabanjahe gives insurance protection in their credit agreement as life insurance, loss insurance and credit insurance.