Analysis of the Application of the Prudential Banking Principle Towards the Debtor's Unwillingness to Sign a Fiduciary Guarantee Agreement in the Granting of Working Capital Credit
DOI:
https://doi.org/10.31941/pj.v25i2.8300Keywords:
Working Capital Credit; Fiduciary Guarantee; Prudential Principle; Legal Consequences; Asset Recovery.Abstract
Banks provide Working Capital Credit to finance short-term business operations, typically utilizing a Fiduciary Guarantee to bind movable assets such as merchandise inventory. However, legal complexities arise when a debtor refuses to sign the Fiduciary Guarantee agreement, opting only to provide an internal statement letter. This study aims to examine the application of the Prudential Banking Principle by Bank Jateng Yogyakarta Branch towards such debtors and to analyze the legal consequences of this refusal. This study employs an empirical legal method with a descriptive-qualitative approach, utilizing primary data from field interviews and secondary data from binding legal materials. The findings indicate that the bank's decision to disburse the credit without a fiduciary guarantee does not violate the prudential principle. The bank effectively mitigates risks by prioritizing the debtor's repayment capacity as the primary repayment source and requiring over- collateralized primary guarantees, specifically land or buildings bound by a Mortgage Right. Consequently, the legal impact of the unsigned fiduciary agreement is the failure to encumber the inventory, resulting in the bank losing its status as a preferred creditor and its right to direct execution (parate executie). In conclusion, while the bank loses material protection over the merchandise inventory, the debtor's debt obligation remains strictly intact. In the event of default, the bank ensures asset recovery by executing the primary collateral.
Keywords: Working Capital Credit; Fiduciary Guarantee; Prudential Principle; Legal Consequences; Asset Recovery.
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