perjanjian kerjasama niji

8/16/2019 PERJANJIAN KERJASAMA NIJI

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PEMBERIAN FASILITAS KREDIT BERGUNA

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PEMBERIAN FASILITAS KREDIT BERGUNA

NOMOR: 16/DIR-OPS/X/2015

Paa !a"# #$# %& 'a$((a) % N*+,," 2015 'a$((a) % )a$ N*+,," 'a!$ a "#

)#a ,)a ,"',+a' # Ma(,)a$( 3a$( ,"'a$a'a$(a$ # a4a! #$#:

1. Ta$ D*'*"a$ a7# Na$a$( S"a'*7*& D#",'" 'aa PT. Ba$ P,""##'a$

Ra3a' N#7#& ,"',+a' '#$((a) # Ka+a',$ S),a$& J,'# a"a$& R$

T,'a$((a 001& R$ 8a"(a 09& D,a Sa"*$*!a"7*& K,;aa'a$ N(a()#&a)a !a) #$# ,"'#$a a)a 7aa'a$$3a ',",' ,4a#)# D#",# ,"aa"a$

S"a' Kaa N**": 1< Ta$((a) 5 A+"#) 2019 3a$( #a' # !aa+a$ P"#3*

a"3a'**& Sa"7a$a & N*'a"# # Ma(,)a$(& *),! a",$a #' ,"aa"a$

A$((a"a$ Daa" P,","*a$ 3a$( #a' a)a A'a N**" 12 Ta$((a) 29

N*+,," 2006 3a$( #a' # !aa+a$ P"#3* a"3a'**& Sa"7a$a .

N*'a"# # Ma(,)a$( a$ ',)a! #a$ a)a B,"#'a N,(a"a RI N**" 8=-

0002= T. 01.01-T.200 Ta$((a) 15 Ja$a"# 200& ,"'#$a $' a$ a'a

$aa PT. Ba$ P,""##'a$ Ra3a' N#7#& ,",a$ # Ja)a$ Ra3a Ma(,)a$(-

S,;a$( KM. <&9 D,a N(a#"*7* K,;aa'a$ S,;a$( a+a',$ Ma(,)a$(

,)a$7'$3a #,' PT. Ba$ P,"",#'a$ Ra3a' N#7# a'a:------------------------------------------PIAK PERTAMA-----------------------------------------

2. S,#3a'#& Sa"7a$a P,$##a$ A(aa K"#',$& Jaa'a$ K,+a)a S,*)a! Daa"

K"#',$ 1 a)a !a) #$# ,"'#$a $' a$ a'a $aa SD K"#',$ 1 ,$(a$

a)aa' %& N* ',)+. % & ,)a$7'$3a #,' ,a(a#:-----------------------------------------PIAK KEDUA----------------------------------------------

PIAK PERTAMA a$ PIAK KEDUA ,)a$7'$3a ,;a"a ,"aa-aa #,'

PARA PIAK ,$,"a$(a$ ',"),#! a!) ,a(a# ,"#':

S,!$(a$ ,$(a$ !a)-!a) ',",' # a'a& aa PARA PIAK ,+aa' ,a'

P,"7a$7#a$ K,"7aaa ',$'a$( P,,"#a$ Fa#)#'a K",#' B,"($a ,)a$7'$3a #,'

P,"7a$7#a$ ,$(a$ A$("a$ )a$a$& ,)a)# +,*'*$(a$ (a7# a'a +,$a"#a$

'a$(a$ ,$(a$ ,$(($aa$ a"' ATM& +,(a4a# # )#$($(a$ ,"7a PIAK

KEDUA& ,$(a$ ,',$'a$ a$ 3a"a'-3a"a' ,a(a# ,"#':

PASAL 1RUANG LINGKUP KERJASAMA



1. PIAK PERTAMA ,",#a ,,"#a$ >a#)#'a K",#' BERGUNA ,+aa +a"a

+,(a4a# ','a+/*$'"a # )#$($(a$ ,"7a PIAK KEDUA ,+a$7a$( ,,$!#

,',$'a$ a$ +,"3a"a'a$ 3a$( #','a+a$ *),! PIKA PERTAMA.2. PIAK KEDUA ,)a)# P,*'*$(a$ Ga7#/+,$a"#a$ 'a$(a$ ,$(a$

,$(($aa$ a"' ATM a'a $aa +,(a4a# PIAK KEDUA a$((+

,$3,#aa$ a$a$3a a'a ",,$#$( 'a$(a$ 3a$( ,"," a"# (a7# ,'#a+

)a$ ,a(a# +,a3a"a$ a$("a$ ",#' BERGUNA a"# +a"a +,(a4a# 3a$(

,$,"#a >a#)#'a ",#' BERGUNA a"# PIAK PERTAMA ,a# ,$(a$ a>'a"

$*#$a'#?, 'a(#!a$ ",#' BERGUNA 3a$( #a+a#a$ *),! PIAK PERTAMA

,+aa PIAK KEDUA ,'#a+ )a$$3a.

PASAL 2PENGERTIAN

1. PEGA8AI a'a #,' +)a ,#'" aa)a! +,(a4a# ','a+/*$'"a # )#$($(a$

PIAK KEDUA 3a$( ,+,"*),! >a#)#'a ",#' BERGUNA a"# PIAK

PERTAMA.2. KREDIT BERGUNA aa)a! ",#' 3a$( #,"#a$ ,+aa ,#'" ,"+,$(!a#)a$

','a+ 3a$( a#! a'#> ,,"7a a$ #a$(a' ,a(a# +,(a4a# ','a+/*$'"a #

a' #$'a$#/+,"a!aa$.9. ANGSURAN +#$7aa$ aa)a! a$("a$ )a$a$ +**@$(a 3a$( #+*'*$(

a"# (a7#/+a! a'a #'a"# a"# ",,$#$( 'a$(a$ ,#'" ,$(a$ ,$(($aa$

a"' ATM +,(a4a# ,'#a+ )a$$3a ,a(a# +,a3a"a$ ",#' BERGUNA

,+aa PIKA PERTAMA ,a# a>'a" $*#$a'#?, 'a(#!a$ 3a$( #a+a#aa$

*),! PIKA PERTAMA ,+aa PIAK KEDUA.. DAFTAR NOMINATIF TAGIAN aa)a! a>'a" $*#$a'#> 'a(#!a$ a$("a$ ",#'

BERGUNA 3a$( ,"## $aa-$aa +,(a4a# a"# PIKA KEDUA 3a$( ,$,"#a>a#)#'a ",#' BERGUNA a"# PIKA PERTAMA 3a$( ',"#"# a"# N**" U"'&

N**" R,,$#$(& Naa P,(a4a# a$ J)a! A$("a$.5. SURAT KUASA POTONG GAJI/UPA $' ,)a$7'$3a #,' SKPG aa)a!

"a' aa ,"a',"a# ;+ 3a$( ,"## +,,"#a$ aa a"# D,#'" ,+aa

P,*'*$( Ga7#/U+a! 3a$( #'$7 *),! PIAK KEDUA $' ,*'*$(

(a7#/+a!& ($a ,+,")a$ a$("a$ K",#' BERGUNA a"# PIAK PERTAMA&

3a$( aa ,")a$3a "a' aa ,")a a+a# ,$(a$ K",#' BERGUNA

)$a.6. PEMOTONG GAJI/UPA aa)a! +,7aa'/+,'(a a+$ aa$/+,"a!aa$

3a$( #'$7& #,"'a# '(a& #,"# 4,4,$a$( ,;a"a ,#$aa$ *),! PIAKKEDUA a$ #,"# aa *),! ,#'" ,$(a$ "a' aa $'

,"'a$(($(7a4a ,)aa$aa$ ,4a7#a$ ,*'*$( (a7#/+a! ,#'" #

)#$($(a$ PIAK KEDUA ,'#a+ )a$$3a ($a ,+,")a$ a$("a$ ",#'

BERGUNA a"# PIAK PERTAMA& 3a$( aa ,")a$3a "a' aa ',",'

a+a# ,$(a$ ",#' BERGUNA )$a.



. JASA PEMOTONGAN GAJI aa)a! #a)a$ 3a$( #,"#a$ PIAK PERTAMA

,+aa PIAK KEDUA& a'a 7aa +,*'*$(a$ (a7# 3a$( aa$ #+,"($aa$

,a(a# +,a3a"a$ a$("a$ >a#)#'a ",#' BERGUNA.<. B Ta$(a$ aa)a! 'a$(a$ #)# +,(a4a# 3a$( ,$#a'# >a#)#'a

",#' BERGUNA 3a$( #+,"($aa$ $' ,$a+$( (a7# )a$a$ +,(a4a#

',",'.=. Ka"' ATM aa)a! a"' ATM 3a$( #',"#'a$ *),! Ba$& ,a(a# >a#)#'a +,#)#

",,$#$( 'a$(a$ 3a$( #+,"($aa$ $' +,$a"#a$ a$a # 'a$(a$ 3a$(

aa$ #+,"($aa$ $' ,$(a$(" +#$7aa$ ,'#a+ )a$ a+a# ",#'$3a

)$a.

PASAL 9KE8AJIBAN PIAK KEDUA

1. PIAK KEDUA ,,"#a$ ",*,$a# ,$(,$a# +,(a4a# # )#$($(a$

,"7a$3a 3a$( ,,")a$ >a#)#'a ",#' BERGUNA a"# PIAK PERTAMA.

Aa+$ +,(a4a# 3a$( a+a' #",*,$a#a$ aa)a! ,a(a# ,"#':a. P,(a4a# ','a+/*$'"a a"# PIAK KEDUA 3a$( #'#a$ ,$(a$ aa$3a

S"a' K,+'a$ SK P,$(a$a'a$ P,(a4a#.. P,(a4a# 3a$( ,"a$('a$ ,#)## *$#', a# ,"aa"a$ +,$#)a#a$

a"# a'aa$/+#+#$a$ +,"a!aa$.;. P,(a4a# 3a$( #a #,"#a$ ",*,$a# a"# a'aa$/+#+#$a$ aa)a!

+,(a4a# 3a$( ',)a! ,+$3a# aa ,"7a #$#a) 1 a' 'a!$ ,7a

#a$(a' ,a(a# ','a+/*$'"a.. PIAK KEDUA ,$3a+a#a$ ,+aa PIAK PERTAMA a>'a" +,(a4a#

3a$( ,$(a7a$ +,"*!*$a$ >a#)#'a ",#' BERGUNA 3a$( ',)a!

#,"#a$ ",*,$a# *),! PIAK KEDUA ',",' ,$(a$ #)a+#"# $'a#$(-a#$( +,(a4a# ,),$(a+a$ ,"a +,"*!*$a$ K",#' BERGUNA

,+aa PIAK PERTAMA ,)#+'#:a F*'* ;*+3 KTP a#/#'"# a$ Ka"' K,)a"(a. A)#/;*+3 SK P,$(a$(a'a$ P,(a4a# P,"'aa& 3a$( #),(a)##" *),!

+#+#$a$ #$'a$#/+,"a!aa$ ',+a' ;a)*$ ,#'" ,,"7a.; R,*,$a# a"# +#+#$a$ #$'a$#/+,"a!aa$. Da>'a" P,"#$;#a$ Ga7# 3a$( #a!a$ *),! +,7aa' 3a$( ,"4,$a$(., Da>'a" P,"#$;#a$ 'a$( 3a$( ,"a$('a$ ,+aa +#!a )a#$ 3a$(

#+,"*),! +,(a4a# ,)a#$ 3a$( #+,"*),! a"# PIAK PERTAMA.> S"a' P,"$3a'aa$ ,"a',"a# ;+ a"# P,*'*$( Ga7#/U+a!& a!4a 7"

a3a" ,",#a ,)aa$ +*'*$( (a7# ,'#a+ )a$ a+a# ",#'$3a

)$a.( S"a' Kaa P*'*$( Ga7# SKPG a"# D,#'" ,+aa 7" a3a" (a7# a'a

+,(a4a# 3a$( #'$7 $' ,*'*$( (a7# ,'#a+ )a$ a+a# ",#'$3a

)$a.



! a)*$ D,#'" ,$3,"a!a$ Ta$(a$ 3a$( #+,"($aa$ $'

,$a+$( (a7# ,'#a+ )a$ ,+aa PIAK PERTAMA a+a#)a

+,$,"#aa$ (a7# +,(a4a# a , ",,$#$( Ta$(a$.# M,$3,"a!a$ a"' ATM a"# ",,$#$( 'a$(a$ ',",' # a'a a$ PIN

ATM ,+aa PIAK PERTAMA a+a#)a ,#'" #,"#a$ >a#)#'a ATM

$' ,$a"# ",,$#$( Ta$(a$. 7 D,#'" ,",#a ",,$#$( 'a$(a$$3a #'a"# *),! PIAK PERTAMA

'$ ,a3a" a$("a$ a+a# ",#'$3a )$a. S#a a$a ,',)a! #+,"($aa$ $' ,a3a" a$("a$ ",#'&

#a$ , ",,$#$( 'a$(a$ $aaa! 3a$( aa # BPR N#7#.2. PIAK KEDUA 4a7# ,,"#a$ ,',"a$(a$ 3a$( ,,$a"-,$a"$3a ,$(,$a#

,(a)a ,a' 3a$( ,"!$(a$ ,$(a$ ,aaa$ +,(a4a#& !a-!a +,(a4a#

!a +,$#*$& ;'#& +,"a!a$ !a"# 'a& ))& ',"a ,',"a$(a$ 7#a ',"a+a'

+#$7aa$ +,(a4a# ',",' +aa K*+,"a#& a$ )a#$& ),a(a ,a$(a$ )a#$$3a

,)a#$ +#$7aa$ 3a$( aa$ #+,"*),! a"# PIAK PERTAMA.

9. PIAK KEDUA ,"'a$(($(7a4a ,+,$!$3a ',"!aa+ ,)a$;a"a$+,$(,a)#a$ K",#' BERGUNA a"# ,)"! +,(a4a#$3a ,+aa PIAK

PERTAMA ,$(a$ ;a"a:a. PIAK KEDUA ,$3,"a!a$ Ta$(a$ 3a$( #+,"($aa$ $'

,$a+$( +,$,"#aa$ (a7# )a$a$& a"' ATM ,,"'a PIN ,+aa PIAK

PERTAMA.. PIAK KEDUA ,,"# aa ,+aa PIAK PERTAMA $' ,$a"#

'a$(a$ ,#'" ,$(a$ ,$(($aa$ a"' ATM.;. a#) +,$a"#a$ 'a$(a$ ,#'" ',",' aa$ #+,"($aa$ $'

,$(a$(" ",#' ,'#a+ )a$ a+a# ",#'$3a )$a.

. S#a a$a +,$a"#a$ 'a$(a$ ',",' aa$ #a$ , ",,$#$( ,#'"# BPR N#7#.

. PIAK KEDUA ,$7a#$ a$ ,"'a$(($(7a4a a!4a a)* 'a$(a$& +aa

aa' (a7#a$ a)*$3a ;+ $' #+,"($aa$ ,$(a$(" +#$7aa$ +aa

)a$ ',",'.5. PIAK KEDUA ,$7a#$ a$ ,"'a$(($(7a4a a!4a a+a#)a +,(a4a#

+,$,"#a >a#)#'a ",#' BERGUNA ',",' #,"!,$'#a$& a'a ,"!,$'# ,,"7a

a'a +,"#$'aa$ +,(a4a# ,$#"#& aa ,(,"a ,)$a# #a +#$7aa$$3a

',"),#! a!).6. PIAK KEDUA ,,"#a$ ,',"a$(a$-,',"a$(a$ a$ a'a-a'a )a#$$3a 3a$(

#+,")a$ PIAK PERTAMA 3a$( ,"a#'a$ ,$(a$ +,,"#a$ >a#)#'a ",#'BERGUNA ,+aa +a"a +,(a4a#$3a& ',"a +)a ,$(#7#$a$ ,+aa PIAK

PERTAMA $' ,$,)#'# ,aaa$/*$## a"# a#$(-a#$( +,(a4a#

#a a+a#)a PIAK PERTAMA ,,")a$$3a.

PASAL

AK-AK PIAK KEDUA



PIAK KEDUA ,"!a $' ,$(,'a!# #,'7# a'a a)aa$ #'*)a$3a +,"*!*$a$

>a#)#'a K",#' BERGUNA +a"a PEGA8AI PIAK KEDUA *),! PIAK PERTAMA.

PASAL 5

KE8AJIBAN PIAK PERTAMA

1. M,,"#'a!a$ a$ ,,"#a$ +,$7,)aa$ ,+aa PIAK KEDUA a+$

+a"a +,(a4a# +,*!*$ ",#' BERGUNA # )#$($(a$ PIAK KEDUA

,$3a$(' +,"3a"a'a$ a$ ,(a)a !a) 3a$( !a" #+,$!# a$ #)aa$aa$

*),! PIAK KEDUA a$ a'a +a"a +,(a4a#$3a ',",' ,"a#'a$ ,$(a$

+,"*!*$a$ >a#)#'a K",#' BERGUNA.2. M,+"*, ,'#a+ +,"*!*$a$ >a#)#'a K",#' BERGUNA a"# +a"a +,(a4# #

)#$($(a$ PIAK KEDUA 3a$( ',)a! ,$a+a'a$ ",*,$a# ,',)a!

,,)"!a$ ,),$(a+a$ +,"3a"a'a$ ,"a +,"*!*$a$ +#$7aa$ a'a ,"a

+#$7aa$ #+,$!# *),! +a"a +,(a4a# #a.9. M,$(#"#a$ ,+aa PIAK KEDUA Da>'a" N*#$a'#> Ta(#!a$ A$("a$ K",#'

BERGUNA a"# +a"a +,(a4a# # )#$($(a$ PIAK KEDUA ,'#a+ )a$ ,,)

'a$((a) +,$,"#aa$ (a7#.

PASAL 6AK-AK PIAK PERTAMA

1. M,$3,'7# a'a ,$*)a +,"*!*$a$ >a#)#'a K",#' BERGUNA 3a$( ',)a!

#a7a$ *),! PIAK KEDUA.2. M,)aa$ +,,"#aa$ a$ +,$,)#'#a$ ',"a +,$#$7aa$ )a$($( ,

)a+a$(a$ ',"!aa+ ,,$a"a$ a'a +a"a +,(a4a# +,*!*$ K",#' BERGUNA #

)#$($(a$ PIAK KEDUA ,"'a ,#$'a ,',"a$(a$ a$ a'a ,+aa PIAKKEDUA a+$ +#!a )a#$$3a ,$(,$a# ,aaa$ +a"a +,(a4a# #a.

9. M,$,$'a$ a$ ,$,'a+a$ +,"3a"a'a$ +,,"#a$ K",#' BERGUNA& a#

+,"3a"a'a$ 3a$( #,")aa$ ,+aa PIAK KEDUA a+$ +a"a +,(a4a#$3a

,a# ,',$'a$ 3a$( ,")a # PIAK PERTAMA.. M,$,"#a a$("a$ +,a3a"a$ ",#' ,'#a+ )a$ a"# +,(a4a# PIAK

KEDUA& a# ,$(a$ ;a"a +*'*$( (a7# *),! 7" a3a"& a+$ +,$a"#a$

",,$#$( 'a$(a$ ,$(a$ ATM& a+a# ",#'$3a )$a.5. M,$a+a'a$ +"#*"#'a 'aa a$ +,"'aa $' ,+,"*),! +,a3a"a$ a'a

+,)$aa$ K",#' BERGUNA a"# a#$(-a#$( +,(a4a# # )#$($(a$ PIAK

KEDUA 3a$( ,$,"#a >a#)#'a K",#' BERGUNA& a+$ ,$,'a+a$)a$(a!-)a$(a!/+a3a 3a$( #a$((a+ +,") a)a "a$(a ,)a$;a"a$

+,a3a"a$/+,)$aa$ K",#' BERGUNA ',",' a+a#)a +,(a4a# a"# PIAK

KEDUA 3a$( ',)a! ,$#a'# >a#)#'a K",#' #,"!,$'#a$& ,$($"a$ #"#

a'a ,aa$$3a ,$#"# a'a ,a )a#$ 3a$( ,$(a#a'a$ +,(a4a# ',",'

,"!,$'# ,,"7a.PASAL



PENYETORAN ANGSURAN KREDIT BERGUNA1. A$("a$ +,a3a"a$ ,'#a+ )a$ #)aa$ ,$(a$ ;a"a +*'*$( (a7# 3a$(

#)aa$ *),! 7" a3a" a'a +,'(a 3a$( #'$7.2. Paa !a"# 3a$( aa a'a +a)#$( )aa' ,,*a$ !a"#$3a& !a#) +*'*$( (a7#

3a$( #'a+$( *),! 7" a3a" ,(,"a #,'*" a'a #'"a$>," , ",,$#$( a'a

$aa BPR N#7# # Ba$ 3a$( ',)a! #',$'a$.9. S,',)a! a$("a$ K",#' BERGUNA ',)a! #a3a" *),! PIAK KEDUA/D,#'"

#,"#a$ Ta$a T,"#a/B'# S,'*"a$ A$("a$ P#$7aa$ ,a(a# '#

+,a3a"a$ a$("a$ K",#' BERGUNA. A'a:

1. A$("a +,a3a"a$ K",#' BERGUNA ,'#a+ )a$ #)aa$ ,$(a$ ;a"a

+,$a"#a$ 'a$(a$ ,#'" ,$(a$ ,$(($aa$ a"' ATM 3a$( ',)a!

#,"a!a$ ,+aa PIAK PERTAMA.2. P,$a"#a$ #)aa$ *),! PIAK PERTAMA ,)"! a)* 'a$(a$ 3a$( aa

!a$3a ,"#a a)* #$#a) Ta$(a$& ,)a$7'$3a PIAK PERTAMA

,a3a"a$ a$("a$ ,7)a! 3a$( ',)a! #',$'a$ a$ #a$3a #a$, ",,$#$( 'a$(a$ a'a $aa ,#'" # BPR N#7#.

9. U$' ,)a$7'$3a ,#'" ,'#a+ aa' #a ,)aa$ +,$a"#a$/+,$(a#)a$

'a$(a$ # BPR N#7#.. S,',)a! a$("a$ K",#' BERGUNA ',)a! #a3a" *),! PIAK KEDUA/,#'"

#,"#a$ Ta$a T,"#a/B'# S,'*"a$ A$("a$ P#$7aa$ ,a(a# '#

+,a3a"a$ a$("a$ K",#' BERGUNA.

PASAL <JASA PEMOTONGAN GAJI

1. PIAK PERTAMA ,,"#a$ #a)a$ ,+aa PIAK KEDUA a'a 7aa

+,*'*$(a$ (a7# $' +,a3a"a$ a$("a$ >a#)#'a K",#' BERGUNA.2. B,a"$3a 7aa +,*'*$(a$ (a7# a$ 'a'a +,a3a"a$$3a '$ ,+aa

+,"a'"a$ a$ ,',$'a$ 3a$( ,")a # PIAK PERTAMA.

PASAL =JAMINAN DAN KELENGKAPAN DOKUMENTASI

1. Ya$( #7a#a$ 7a#$a$ a'a a($a$ K",#' BERGUNA aa)a!:a. Ga7# 3a$( #',"#a ,'#a+ )a$$3a *),! a#$(-a#$( +,(a4a# +,$,"#a

>a#)#'a K",#' BERGUNA.

. a-!a )a#$$3a 3a$( #',"#a *),! PEGA8AI a"# PIAK KEDUA a)a !a)PEGA8AI +,$#*$& ',"a a+a#)a PEGA8AI #+,";,+a' +,$#$$3a a'a

#,"!,$'#a$ a'a ,"!,$'# ,,"7a a'a +,"#$'aa$ +,(a4a# ,$#"# ,,)

K",#' BERGUNA )$a& a+$ ,(a)a +,$,"#aa$ !a )a#$$3a.;. A+a#)a #+,")a$ a+a' +)a PIAK PERTAMA ,$3a"a'a$ ,+aa

,#'" ,$3,"a!a$ 7a#$a$ 'aa!a$ ,"+a BPKB ,$a"aa$ ,"*'*"&

S,"'#>#a' !a #)# 'a$a!-'a$a! a$ a$($a$& $a$ !a) #$# a$ a'



,!a"a$. Aa$ ','a+# $' +#$7aa$ # a'a R+90.000.000&00 '#(a +)!

7'a "+#a!& +,(a4a# 3a$( #",*,$a#a$& !a" ,",#a a$ a$((+

,$3,"a!a$ 7a#$a$ 'aa!a$ ,"+a B'# ,+,#)#a$ BPKB ,$a"aa$

,"*'*"& S,"'#>#a' !a M#)# 'a$a!-'a$a! a$ a$($a$ a'a "a' ,"!a"(a

)a#$$3a ,+,"'# I7aa! A)#& S"a' N#a!& A', K,)a!#"a$ A)#& )).

PASAL 10TANGGUNG JA8AB KERUGIAN

1. K,"(#a$ 3a$( '#) a#a' ,)a)a#a$ a# *),! PIAK KEDUA a+$ *),!

,#'"& P,*'*$( Ga7# 3a$( #'$7 a+$ PUAK KEDUA )a#$$3a ,$7a#

'a$(($( 7a4a a#$(-a#$( 3a$( ,"a$('a$ a$ !a" #,),a#a$

+a)#$( )aa' 1 SATU #$(( ,7a ',"7a#$3a/'#) ,"(#a$.2. K,"(#a$ 3a$( '#) ,a(a# a#a' ,)a)a#a$ PIAK PERTAMA ,$7a#

'a$((( 7a4a PIAK PERTAMA a$ !a" #,),a#a$ +a)#$( )aa' 1 a'

#$(( ,7a ',"7a#$3a/'#) ,"(#a$.

9. K,"(#a$ 3a$( '#) ,a(a# a#a' ,)a)a#a$ PARA PIAK aa$ ,$7a#'a$(($( 7a4a a#$(-a#$( PIAK ,a# ,$(a$ **' ,)a)a#a$ a$ aa$

#',$'a$ ,;a"a 3a4a"a!.

PASAL 11

PENYELESAIAN KREDIT BERGUNA BERMASALA

A+a#)a PIAK KEDUA ,)a$((a" a'a '#a ,,$!# ,4a7#a$ a$ 'a$(($(

7a4a$3a ,a(a#a$a ',";a$' a)a PERJANJIAN ,+,"'# ',")aa' a'a '#a

,)#+a!a$ a'a ,$3,'*"a$ a$("a$ K",#' BERGUNA ,+aa PIAK PERTAMA&

aa aa$ #',+! )a$(a!-)a$(a! ,a(a# ,"#':

a. PIAK PERTAMA aa$ ,$(a#) '#$aa$ a$ ,$,+! +"*,"/'a'a ;a"a+,$3,),a#a$ '$((aa$ K",#' BEGUNA ,a# ,$(a$ ,',$'a$ 3a$( ,")a

# PIAK PERTAMA.. Da)a !a) +,,"#a$ >a#)#'a ",#' #a #!,$'#a$& aa PIAK KEDUA

,",4a7#a$ '"' ,$(+a3aa$ +,$3,),a#a$ ,4a7#a$ ,a# ,$(a$ 3a$(

',)a! #+,"7a$7#a$ ,"aa"a$ +,"7a$7#a$ #$# a+a# ,$(a$ ,"a!#"$3a

,4a7#a$.

PASAL 12

MASA BERLAKU DAN BERAKIRNYA PERJANJIAN

1. P,"7a$7#a$ #$# )a# ,")a a$ ,$(#a' PARA PIAK ,7a #'a$a'a$(a$#

PARA PIAK& a$ ,"a!#" a+a#)a ,,)"!a$ K",#' BERGUNA 3a$(

#,"#a$ *),! PIAK PERTAMA ,+aa +a"a +,(a4a# # )#$($(a$ PIAK

KEDUA ',)a! )$a a$ a'a #$3a'aa$ )$a ,;a"a ',"')# *),! PIAK

PERTAMA.2. A+a#)a a' +#!a #a $' ,'a$ PERJANJIAN #$#& aa +#!a

3a$( ,",#$(#$a$ $' #' !a" ,,"#'a!a$ a$3a ,;a"a ',"')#



,+aa +#!a )a#$$3a a)a 4a' ,7"a$(-"a$($3a 9 '#(a )a$ ,,)

'a$((a) +,'a$ PERJANJIAN 3a$( ##$(#$a$.9. P,'a$ PERJANJIAN ,a(a#a$a #a a)a a3a' 2 # a'a a"

,")a ,>,'#> ,',)a! aa$3a +,",'7a$ ',"')# a"# PIAK )a#$$3a.. PERJANJIAN #$# a+a' ,"a!#" a'a a'a) ,$(a$ ,$#"#$3a a+a#)a aa

,',$'a$ +,"$a$(-$a$(a$ a$ a'a ,#7aa$ +,,"#$'a! 3a$( '#a,$(#$a$ ,")a$($($3a PERJANJIAN #$#.

5. Da)a !a) PERJANJIAN #$# ,"a!#" a# a",$a +,"#$'aa$ a)a! a' PIAK

,a(a#a$a #a a)a a3a' 2 # a'a& a'a+$ a",$a a)aa$ )a#$ 3a$(

#a a)a a3a' # a'a& aa +,$(a!#"a$ PERJANJIAN #$# '#a

,,aa$ !a a$ ,4a7#a$ a"# a#$(-a#$( PIAK 3a$( ,)

#,),a#a$ ,a(a# a#a' a"# +,)aa$aa$ ,,) PERJANJIAN #$# ,"a!#".

PASAL 19

PENYELESAIAN PERSELISIAN

1. P,"7a$7#a$ #$# a$ ,(a)a a#a'$3a '$ +aa !* a$ +,"a'"a$

+,"$a$(-$a$(a$ 3a$( ,")a # I$*$,#a.2. PARA PIAK ,+aa' $' ,$3,),a#a$ ,(a)a +,",)##!a$ 3a$( '#)

,!$(a$ ,$(a$ +,)aa$aa$ PERJANJIAN #$# ,$(a$ ;a"a 3a4a"a!

$' >aa' a)a 4a' 1 !a"# a),$,".9. A+a#)a ,$(a$ ;a"a 3a4a"a! a$ >aa' ,a(a#a$a #a a)a

a3a' 2 +aa) #$# '#a ',";a+a#& aa PARA PIAK ,+aa' $' ,$3,),a#a$

+,",)##!a$ ',",' ,)a)# P,$(a#)a$ N,(,"# Ka+a',$ Ma(,)a$(.. U$' PERJANJIAN #$# a$ ,(a)a a#a'$3a PARA PIAK ,#)#! ',+a'

,a$ !* *##)# 3a$( ','a+ a$ # Ka$'*" P,$(a#)a$ N,(,"#

Ka+a',$ Ma(,)a$(.

PASAL 1

PERGANTIAN PEJABAT

1. S,'#a+ ',"7a#$3a +,"(a$'#a$ +,7aa' 3a$( ,"'#$a ,4a#)# PIAK PERTAMA

a+$ PIAK KEDUA a)a PERJANJIAN #$# a+$ +,"(a$'#a$ P,*'*$(

Ga7# 3a$( #'$7 3a$( ,"'#$a ,a(a# +,*'*$( (a7# +a"a +,(a4a# 3a$(

,$#a'# >a#)#'a K",#' BERGUNA #a a'a +,7aa'/+,'(a # PARA

PIAK 3a$( ,"a#'a$ )a$($( a+$ '#a )a$($( ,$(a$ +,,"#a$

>a#)#'a ",#' #$#& aa ,;a"a *'*a'# '(a& ,4a7#a$ ,"'a 'a$(($(

7a4a$3a ,"a)#! , +,7aa'/+,'(a +,*'*$( (a7# 3a$( #'$7/+,'(a

+,$((a$'#$3a. D,$(a$ ,##a$ #a'a$ a)a +,"7a$7#a$ #$# aa)a! +aa '(a

a$ 'a$(($( 7a4a 3a$( ,),a' +aa 7aa'a$ ,"aa"a$ +aa S"a' Kaa

a'a S"a' P,$$7a$/S"a' Kaa a"# P,"a!aa$/#$'a$# a$ a$ +aa

+"#a# +,7aa'.2. a)-!a) 3a$( ,) #a'" a'a ,) ;+ #a'" a)a P,"7a$7#a$ #$# a+$

+,"a!a$ 3a$( +,") #)aa$ ',"!aa+ P,"7a$7#a$ #$#& aa aa$ #a'"



,$#a$ a'a aa" ,,+aa'a$ PARA PIAK 3a$( #'a$(a$& a# a)a

,$' "a' ,$3"a' a$'a" PARA PIAK a'a #'a$(a$ a)a P,"7a$7#a$

'aa!a$ a,$ a'a a)a ,$' )a#$$3a 3a$( ,"+aa$ a'

,a'a$ 3a$( '#a a+a' #+#a!a$ ,$(a P,"7a$7#a$ #$#.

PASAL 15

PENUTUP

1. S"a' ,$3"a'& *,$-*,$ a$ )a+#"a$-)a+#"a$ 3a$( ,"!$(a$

,$(a$ +,"7a$7#a$ #$# ,"+aa$ a' ,a'a$ 3a$( '#a a+a' #+#a!a$

,$(a +,"7a$7#a$ #$#.2. P,"7a$7#a$ #$# #a' a)a "a$(a+ 2 a a#$(-a#$( ,"a',"a# ;+

a$ #'a$a'a$(a$# *),! PARA PIAK& ,"'a ,+$3a# ,a'a$ !* 3a$(

aa. Ra$(a+ +,"'aa #+,(a$( *),! PIAK KEDUA& Ra$(a+ K,a

#+,(a$( *),! PIAK PERTAMA

PIAK PERTAMA


D". Na$a$( S"a'*7*

D#",'" U'aa

PIAK KEDUA

K,+a)a S,*)a! Daa" K"#',$ 1

S,#3a'#& S.P.K.

M,$(,'a!#

K*#a"# PT. BPR N#7#

I"*$

K*#a"# U'aa

perjanjian kerjasama niji

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