Legal Protection Against Debtors in Default in the Bank Guarantee Agreement
Perlindungan Hukum terhadap Debitur Wanprestasi dalam Perjanjian Bank Garansi
Keywords:
bank guarantee agreement, default, guaranteeAbstract
A bank guarantee agreement is a form of contract that creates reciprocal rights and obligations between the two parties. This agreement must fulfill certain conditions, including the agreement of the parties and the ability to make agreements. The purpose of this research is to analyze the legal protection of debtors who default in bank guarantees. In this research the author uses a qualitative approach and normative juridical method sourced from literature studies and laws. The results showed that in the case of a bank guarantee, the bank as a guarantor is responsible for fulfilling the obligations of customers who fail to fulfill their commitments. Financial risk for the bank can arise if the customer is unable to repay the amount paid by the bank. In case of default, a balanced settlement step between the bank, the guarantor and the beneficiary of the guarantee must be considered because the bank guarantee functions as an additional guarantee that involves the bank's commitment to pay claims if the customer fails to fulfill its responsibilities.
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