Retour sur la cohabitation entre le droit CEMAC et le droit OHADA dans la liquidation des établissements de crédit en Afrique centrale

2021 ◽  
Author(s):  
Tchotchou Petche Kamga Camille
Keyword(s):  
Credit Institution ◽  
The Real ◽  
Banking Regulations ◽  
Banking Activity ◽  
Afrique Centrale ◽  
Credit Institutions

Abstract La liquidation des compartiments bancaire et non bancaire des établissements de crédit se caractérise par un dualisme juridique. Au premier compartiment est appliqué le droit CEMAC, tandis que le second compartiment est soumis au droit OHADA. Ce dualisme juridique est marqué par la prééminence de la réglementation bancaire CEMAC en raison de la spécificité de l’activité bancaire. Toutefois, cette prééminence n’est pas sans ambages. La réglementation bancaire CEMAC s’entremêle dans le processus de liquidation du compartiment non bancaire, pourtant dédié au droit OHADA, et de ce fait, relègue celui-ci à une position subsidiaire dans son « propre empire ». Cet imbroglio juridique crée une situation d’inconfort juridique pour toute personne qui sera chargée d’assurer la liquidation d’un établissement de crédit. Elle devra faire preuve de subtilité et de sagacité pour démêler et identifier, à chaque étape de la procédure, la véritable règle applicable. Mots-clésdroit CEMAC, droit OHADA, liquidation, procédures collectives, établissements de crédit Summary The liquidation of the banking and non-banking compartments of credit institutions is characterized by legal dualism. CEMAC law is applied to the first compartment and the second compartment is subject to OHADA law. This legal dualism is marked by the pre-eminence of the CEMAC banking regulations due to the specificity of the banking activity. However, this pre-eminence is not without ambiguity. The CEMAC banking regulations are interwoven in the process of liquidating the non-banking compartment, which is nevertheless dedicated to OHADA law, and therefore relegates it to a subsidiary position in its “own empire”. This legal imbroglio creates a situation of legal discomfort for anyone who will be responsible for liquidating a credit institution. He will have to show subtlety and sagacity to disentangle and identify, at each stage of the procedure, the real applicable rule.

scholarly journals Akibat Hukum Kredit Macet di Lembaga Perkreditan Desa yang Debiturnya Non Krama

2020 ◽  
Vol 2 (1) ◽  
pp. 37-41
Author(s):  
I Gusti Agung Satrya Wiguna S ◽  
Desak Gde Dwi Arini ◽  
Luh Putu Suryani
Keyword(s):  
Data Collection ◽  
Empirical Research ◽  
Research Method ◽  
Legal Certainty ◽  
Credit Institution ◽  
Bad Loans ◽  
Credit Agreement ◽  
The Village ◽  
Legal Consequences ◽  
Credit Institutions

Abstract-In the governance of the Adat Village in Bali, it has a credit institution, namely the Village Credit Institution, which is a movement of the community of Pakraman Village to improve the economic standard of Pakraman Village. However, if it is not properly mobilized, it will cause new problems and the problems that are most often expressed, one of which is bad credit. If bad credit is carried out by village officials, this can be solved by a rerem or regulations made jointly by the indigenous villagers. But if this bad credit is carried out by non-village officials, according to Bali Provincial Regulation Number 3 of 2017 concerning Village Credit Institutions (LPD), explain; (LPD) may not give credit to non-village officials. However, in some traditional villages, there are also those in the perarem which are allowed by non-village officials to conduct credit in (LPD) but there must be representatives from the traditional village krama. For this reason, there is no legal certainty for non-village officials who commit bad credit. The problems in this research are: 1. How legitimate is the credit agreement at the LPD that the debtor is non-Village Village ?. 2. What are the legal consequences if there is a bad credit, the debtor is a non-village official? The research method used is the Empirical research method and data collection techniques through interviews and observations. The results of this study are in the implementation if the LPD allows non-village manners to do credit in their LPD, then there must be a village regulation that regulates the credit process carried out by non-manners of the village. In addition, the settlement of bad loans must also be regulated by regulations in the customary village. Keywords: Bad Credit, Non-Villagers Courtesy, Village Credit Institution. Abstrak-Dalam pemerintahan Desa Adat di Bali, memiliki suatu lembaga perkreditan yaitu Lembaga Perkreditan Desa yang mana merupakan gerakan masyarakat Desa Pakraman guna meningkatkan taraf hidup ekonomi Desa pakraman. Namun, jika tidak di mobilitasi dengan baik, justru akan menimbulkan masalah baru dan masalah yang paling sering diungkapkan salah satunya Kredit Macet. Jika kredit macet yang dilakukan oleh krama desa, hal ini bisa diselesaikan dengan perarem atau peraturan yang dibuat bersama - sama oleh warga Desa adat. Tetapi jika kredit macet ini dilakukan oleh non krama desa, sesuai dalam Peraturan Daerah Provinsi Bali Nomor 3 Tahun 2017 Tentang Lembaga Perkreditan Desa (LPD) menerangkan; (LPD) tidak boleh memberikan kredit kepada non krama desa. Namun didalam beberapa desa adat, ada pula yang dalam peraremnya dibolehkan non krama desa untuk melakukan kredit di (LPD) namun harus ada perwakilan dari krama desa adat setempat. Atas dari hal ini, belumlah adanya kepastian hukum bagi non krama desa yang melakukan kredit macet. Permasalahan dalam penelitian ini adalah: 1. Bagaimana sahnya perjanjian kredit di LPD yang debiturnya non krama Desa?. 2. Bagaimana akibat hukum jika terjadi kredit macet yang debiturnya non krama Desa?. Metode penelitian yang digunakan adalah metode penelitian Empiris serta teknik pengumpulam data melalui wawancara dan observasi. Adapun hasil dari penelitian ini adalah dalam pelaksanaanya apabila LPD mengijinkan orang non krama desa untuk melakukan kredit pada LPDnya maka harus ada perarem desa yang mengatur mengenai proses perkreditan yang dilakukan oleh non krama desa. Selain itu penyelesaian kredit macet pun juga harus diatur dengan perarem pada desa adat. Kata Kunci: Kredit Macet, Non Krama Desa, Lembaga Perkreditan Desa.

scholarly journals Sanksi Adat terhadap Krama Desa yang Melakukan Wanprestasi dalam Pengembalian Kredit Pada Lembaga Perkreditan Desa di Desa Adat Kapal

2020 ◽  
Vol 1 (2) ◽  
pp. 24-29
Author(s):  
Anak Agung Ngurah Dharma Bayu Subandi ◽  
Anak Agung Sagung Laksmi Dewi ◽  
Ni Made Puspasutari Ujianti
Keyword(s):  
High Risk ◽  
Empirical Research ◽  
Quality Standards ◽  
Credit Institution ◽  
Community Group ◽  
Real Situation ◽  
The Real ◽  
Legal Problems ◽  
Surrounding Environment

Banks as credit providers should trust their customers within the agreed period of repayment of all credit that has been submitted. In practice, many customers do not fulfill the promised time to repay their loans. For various reasons, Default is caused the debtor's lack of awareness of his binding obligations. This study aims to determine the factors that lead to default in returning credit at the Desa Adat Kapal credit institution, and to determine the settlement of default in returning credit at the Desa Adat Kapal credit institution. The type of research used is the type of empirical research, where this research is carried out in accordance with the real situation of a community group or the surrounding environment in order to find facts or existing legal problems. The results of this study indicate that the factors causing non-performing loans in general are that all loans carry a high risk. Non-performing loans are loans that contain weaknesses or do not meet the quality standards set by the bank. Then, the settlement of defaults according to custom at the Ship Traditional Village Credit Institution is based on Article 8 of the Traditional Ship Village Credit Institution agreement.

PRACTICAL ASPECTS OF THE ASSESSMENT EFFICIENCY OF THE INTERNAL CONTROL SYSTEM CONTROL IN A CREDIT INSTITUTION

2021 ◽  
Vol 4 (5) ◽  
pp. 99-105
Author(s):  
S. A. AZIMOV ◽  
Keyword(s):  
Control System ◽  
Detailed Analysis ◽  
Internal Control ◽  
System Control ◽  
Credit Institution ◽  
Internal Control System ◽  
Credit Institutions

As part of this work, a detailed analysis of the evaluation of the effectiveness of the internal control system in credit institutions was carried out, judgments on the features and effectiveness of the implementation of the internal control system were presented, methods for evaluating the internal control system were considered. The principles of using the system, the positive and negative sides are analyzed. Recommendations on the adaptation of the methodology for assessing the internal control system in credit institutions are proposed

The banking sector of Kursk region, its role in developing regional economy

2020 ◽  
Vol 2020 (5) ◽  
pp. 143-157
Author(s):  
Viktoriya Sergeeva
Keyword(s):  
Data Analysis ◽  
Regional Economy ◽  
Banking Sector ◽  
Local Economy ◽  
Credit Institution ◽  
Dynamic Data ◽  
Credit Portfolio ◽  
Kursk Region ◽  
Credit Institutions

The article provides the analysis of banking sector functioning in Kursk region. The purpose of the study is to determine the main advantages of regional credit institutions over large banking structures in the regional economy. Drawing on structural and dynamic data analysis, the paper reveals basic trends in developing the banking sector of the region and also determines its role in the local economy. The article examines the role of PJSC Kurskprombank as a sole credit institution in the economy of the region explored. The paper analyzes the credit portfolio of the institution against various criteria in order to determine the specifics of the Bank’s work in the field of issuing loans to customers.

scholarly journals Accounting for operational risk in credit institutions while improving the bank’s economic security

2020 ◽  
pp. 59-70
Author(s):  
Natalya Filimonova ◽  
Ol'ga Luskatova ◽  
Marina Roberts
Keyword(s):  
Banking Sector ◽  
Banking System ◽  
Operational Risk ◽  
Economic Security ◽  
Credit Institution ◽  
Factors Affecting ◽  
Operational Risks ◽  
System Methodology ◽  
Credit Institutions

The article considers the economic security of the banking system as an integral part of the national security of the country. Approaches to the assessment of the concept and factors of economic security of credit institutions are studied, the state of the banking sector for the period 2018—2020 is analyzed, development problems and factors affecting the level of economic security of banks are identified. The role of accounting for operational risks in ensuring and improving the economic security of a credit institution is described using the example of Sberbank. Measures to limit operational risk are presented, and the effectiveness of proposals is calculated using the CAMELS rating system methodology.

scholarly journals Without Distinguishing Color or Profession: Culture, Vatican II and the Long-Term Development of Credit Institutions in Bolivia

2016 ◽  
Vol 21 ◽  
pp. 202-233
Author(s):  
Brian Norris
Keyword(s):  
21St Century ◽  
Vatican Ii ◽  
Credit Institution ◽  
Cultural Changes ◽  
New Era ◽  
Early 21St Century ◽  
The 1960S ◽  
Siglo Xx ◽  
Credit Institutions

By the late 20th and early 21st century, credit institutions in Bolivia had become more complex, resilient and popular that at any time previously in its history. Traditional economics analyses emphasize incentives created by laws such as those promulgated by the Kemmerer mission in Bolivia in the 1920s and 30s, or material factors, such as transportation costs. Yet neither of these explanations offers a compelling explanation for the magnitude of the flourishing of popular and complex credit institutions in Bolivia after the 1960s. Cultural changes, however, might offer a compelling complement to legal and material explanations of credit development. Vatican II represented an important mass change in Bolivian culture, and institutions associated with these reforms ushered in a new era of credit institution development in the country.A finales del siglo XX y comienzos del XXI, las instituciones crediticias en Bolivia se volvieron más complejas, elásticas y populares que en cualquier otro momento de su historia. Los análisis económicos tradicionales ponen de relieve los incentivos creados por leyes como las promulgadas por la misión Kemmerer en Bolivia en las décadas de 1920 y 1930, o factores materiales, tales como los costos de transporte. Con todo, ninguna de estas explicaciones ofrece una explicación convincente de la importancia del florecimiento de instituciones crediticias populares y complejas en Bolivia después de la década de 1960.  No obstante, los cambios culturales podrían ofrecer un complemento de peso a las explicaciones legales y materiales del desarrollo del crédito. El Concilio Vaticano II representa un importante cambio en la cultura boliviana, y las instituciones asociadas con sus reformas marcan el comienzo de una nueva era en el desarrollo de la institución crediticia en el país.             

KEY APPROACHES TO ASSESSING THE EFFECTIVENESS OF THE INTERNAL CONTROL SYSTEM IN A CREDIT INSTITUTION

2021 ◽  
Vol 4 (5) ◽  
pp. 122-127
Author(s):  
S. A. AZIMOV ◽  
Keyword(s):  
Control System ◽  
Detailed Analysis ◽  
Internal Control ◽  
Credit Institution ◽  
Internal Control System ◽  
Credit Institutions

As part of this work, a detailed analysis of the evaluation of the effectiveness of the internal control system in credit institutions was carried out, judgments on the features and effectiveness of the implementation of the internal control system were presented, methods for evaluating the internal control system were considered. The principles of using the system, the positive and negative sides are analyzed. Recommendations on the adaptation of the methodology for assessing the internal control system in credit institutions are proposed

scholarly journals Duration Models in Loan Management

2015 ◽  
Vol 15 (1) ◽  
pp. 114-126
Author(s):  
Julian A. Vasilev
Keyword(s):  
Survival Analysis ◽  
Econometric Model ◽  
Cox Regression ◽  
Research Question ◽  
Duration Models ◽  
Credit Institution ◽  
Month Of Birth ◽  
Main Research ◽  
Independent Variables ◽  
Credit Institutions

Abstract The purpose of this study is to estimate the future duration of a loan contract on the basis of several factors. The main methodology consists of a brief explanation of a survival analysis and a thorough application of a survival analysis in loan management. A real dataset from a credit institution (situated in Varna) is used. All contracts were signed for 30 days but some contracts were ended earlier, others - later. The main research question concerns the following statement. We may try to predict future loan duration by making an econometric model describing the dependency between the loan duration (as a dependent variable) and several independent variables. The dataset is analysed by calculating life tables, applying the Kaplan-Maier method and using Cox regression within SPSS. It is has been proved that the main covariates affecting loan duration are the variables: born in the region, month of birth and age. The formulated conclusions are valid for the analysed credit institution. This work provides a methodology for adapting duration models in credit institutions. The presented methodology (in this paper) may be applied over the dataset of other credit institutions (including banks) for loan duration prediction.

Sign in / Sign up

Export Citation Format

Share Document