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VOL. 7, ISSUE 6 (2021)
Settlement of problematic credit disputes in the process of conversion of conventional bank mandiri to Bank Syariah Indonesia in Banda Aceh
Authors
Hazrina, Sanusi, Teuku Ahmad Yani
Abstract
Qanun Aceh LKS should be applied to financial institutions operating in Aceh including banks. In order to support the implementation of Qanun LKS, every conventional bank that has previously existed in Aceh must convert to Islamic bank. With the conversion of the conventional bank system to Sharia requires deposition customers and conventional bank debtor customers to immediately convert their accounts from conventional banks to Shariah. However, regarding this transition whether the customers, such as debtor customers involved with problematic credit problems in conventional banks before, can also convert their data to Islamic banks. The results showed that, the form of settlement of problematic credit disputes at Bank Mandiri at the time of this conversion, namely by restructuring credit. After the parties agree to restruturization, a restructuring deed will be signed by both parties. When restructuring efforts cannot be made, then the last effort that will be taken by the bank is, by carrying out the execution of collateral that has been promised in the letter of agreement, and obstacles are certainly in the system of conversion of conventional banks to Indonesian Islamic banks, especially in the problem of problem credit, where problematic credit cannot be converted to Indonesian Islamic banks, Making Bank Mandiri itself have difficulty dealing with this problem, based on Qanun Aceh LKS, conventional banks must be closed.
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Pages:117-124
How to cite this article:
Hazrina, Sanusi, Teuku Ahmad Yani "Settlement of problematic credit disputes in the process of conversion of conventional bank mandiri to Bank Syariah Indonesia in Banda Aceh ". International Journal of Law, Vol 7, Issue 6, 2021, Pages 117-124
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