Bank Rakyat Indonesia was established in Purwokerto, Central Java by Raden Aria
Wirjaatmadja under the name Hulp-en Spaarbank der Inlandsche Bertuurs Ambtenaren. Bank
Rakyat Indonesia is the first government bank in the Republic of Indonesia, established on
December 16, 1895. Fiduciary security is a guarantee that is often used because it has benefits
for both parties. In the world of financial institutions of the Bank, do not escape the existence
of an agreement between creditors as funders and debtors of recipients of funds. If the debtor
breaches the pledge or does not perform to the creditor but the collateral object experiences
a state of force majeure resulting in damaged or even destroyed objects that harm the creditor.
The method I use is to interview the head of Semanggi unit and supervisor BRI Surakarta.
Efforts made by BRI Unit Semanggi Surakarta with a persuasive approach with
debtors' obligations to keep paying off the debt even though the collateral objects overmach
in accordance with the accessoir principle and under article 1131 Civil Code. Another effort
by BRI Semanggi Unit to protect the bank from the risk is by filing insurance claim to PT.
Askrindo as the guarantor of the government for the financing of KUR BRI. Submission of
insurance claims can be made if the debtor does not perform achievements or installments
jammed more than 120 days from here there are other consequences that will arise that
collectibility of debtors will be bad that resulted in bad debtor can no longer apply credit to
banks and non-bank financial institutions that have become members of SLIK managed by
OJK.