摘要：As a financial institution, bank has collected money from society and landing credit to debtors who need it to support their own businesses. As a kind trust business, bank have delivered credit to debtors which are based on the prudence principle, in order to make a bank in secured position for taking profit. Therefore, bank has used complementary approach like juridical and sociological approaches. Through this approaches, a bank could get safety position in legal and financial aspects. That’s why, by landing credit a bank could get profit and risk minimized.
其他摘要：Abstract As a financial institution, bank has collected money from society and landing credit to debtors who need it to support their own businesses. As a kind trust business, bank have delivered credit to debtors which are based on the prudence principle, in order to make a bank in secured position for taking profit. Therefore, bank has used complementary approach like juridical and sociological approaches. Through this approaches, a bank could get safety position in legal and financial aspects. That’s why, by landing credit a bank could get profit and risk minimized. Key words : Bank, trust of business, credit, risk. Abstrak Bank sebagai lembaga keuangan berfungsi menghimpun dana dari masyarakat dan menyalurkannya dalam bentuk kredit untuk pengembangan usaha bagi mereka yang memerlukannya berdasarkan prinsip kehati-hatian, agar tidak merugikan bank dan nasabah penabung, sehingga bisnis perbankan disebut sebagai bisnis kepercayaan. Agar supaya proses penyaluran kredit aman secara hukum dan menguntungkan secara ekonomis, maka bank melakukan pendekatan yuridis dan sosiologis secara komplementer. Dengan cara ini, bank dapat meminimalisir resiko dan sekaligus memperoleh keuntungan. Kata kunci : Bank, bisnis kepercayaan, kredit, resiko.
