Abstract :

The competition in the banking industry is tighter, as well as the existence of rent banks. Financial institutions are segmented into formal and informal financial institutions. Informal financial institutions are prevalent in rural communities and among small entrepreneurs. This study focuses on disclosing the strategy of Indonesian banks in responding to the existence of rent banks. The research method used is empirical legal research. The data obtained were analyzed using deductive methods, namely processing data from primary and secondary data sets. The study results indicate that Rent Bank is a financial institution that serves as a temporary buffer for families with a weak economy even though the interest charged is very high. In responding, there is a need for stimulation and assistance for efforts to revitalize and strengthen traditions that reduce poverty and problems arising from the existence of rent banks. One way is to carry out cultural management that is inherently community and government assistance to traditions and traditional institutions that can reduce poverty.

---

Keywords :

Government of Indonesia, Rent bank, Small business

---

References :

1. Abdulkadir, M. (2007). Kontrak Dan Rekes Indonesia, PT.Alumni, Bandung.
2. Chattaramadjid. (2012). Hukum Perbankan Nasional, PT.Gratifi Press, Jakarta.
3. Djumhana, Muhammad. (2008). Hukum Perbankan Indonesia, PT.Citra Aditya Bakti, Bandung.
4. Fuady, Munir. (2008). Hukum Perbankan Indonesia, PT. Citra Aditya Bakti, Bandung.
5. Kitab Undang-Undang Hukum Perdata (KUHPerdata) (burgerlijk wetboek, staatsblad 1847 nomor 23)
6. Listyaningsih, U. (2004). Dinamika Kemiskinan Di Jogyakarta, Pusat Studi Kependudukan Dan Kebijakan UGM, USAID, Jogyakarta.
7. Nugroho, Heru. (2001). Uang, Rentenir Dan Hutang Piutang di Jawa, Pustaka Pelajar, Jogyakarta.
8. Satrio, J. (2009). Pengantar Hukum Perjanjian, PT.Citra Aditya Bakti, Bandung.
9. Setiawan, R. (2010). Pengantar Hukum Perikatan, PT.Gramedia, Jakarta.
10. Soekanto, Soerjono. (1986). Pengantar Penelitian Hukum, UI Press. Jakarta.
11. Subekti, R. (2004). Hukum Perjanjian, PT.Alumni, Bandung.
12. Undang-Undang Republik Indonesia Nomor 10 Tahun 1998 Tentang Perubahan Undang-Undang Nomor 7 Tahun 1992 Tentang Perbankan, Lembaran Negara Republik Indonesia Tahun 1998 Nomor 168, Tambahan Lembaran Negara Republik Indonesia Nomor 3889;
13. Undang-Undang Republik Indonesia Nomor 23 Tahun 2014 Tentang Bank Indonesia, Lembaran Negara Republik Indonesia Tahun 2014 Nomor 168, Tambahan Lembaran Negara Republik Indonesia Nomor 3889;
14. Winardi (2005). Asas-Asas Manajemen, PT.Alumni, Bandung.