International Journal of Law

Authors
Nila Kusuma

Abstract
The first aim is to find out the way how the verses stated in the credit contract are implemented by the salary treasurer in making the cut off toward the government officials’ salary at SMAN 15 Padang. The second aim is to study obstacles encountered by the salary treasurer in implementing the verses stated on the contract between the bank and the treasurer in making the monthly cut off toward the government officers’ salary at SMAN 15 Padang. The research method used in this study is juridical empirical approach. This approach emphasizes the important use of the related evidence in the real fields. These evidences afterwards will be analyzed in accordance with the related law aspects and acts. The results of this study find that the verses stated in the contract signed on the 10^th of June 2013 by Mandiri Bank and the salary treasurer of SMAN 15 Padang have been implemented in accordance with what are stated on the verses of the contract. The payment of each month installment is done one day after the government officers receive their monthly salary. The due date for this installment payment is on the fifth day of the month. The result also find that the obstacle encountered by the salary treasurer on keeping this due date of the installment payment as stated in the contract is caused by the treasurer’s tardiness in inputting the government officers’ salary data. This incapability on keeping this due date has a negative consequence in which the debtors in this case the governments officers have to pay the late payment penalty which is two percent of the total amount of the loans.The result of thisstudysuggests that responsibility to make the monthly credit installment payment should be handed to the debtor this will prevent him/her of being in charge of paying the penalty of the late paymen cause by negligance of the treasure to make the instalment payment on the due date.