ANALISIS PENANGANAN KREDIT MACET

Authors

  • Luluk Ambarsita

DOI:

https://doi.org/10.22219/jmb.v3i1.1710

Abstract

Luluk Ambarsita

Program Studi Manajemen FEB UMM
E-mail: lu2k_412sita@yahoo.com

ABSTRACT

Non-performing loans are loans with certain risks caused by debtor’s failure to perform his/her
obligations. In banking activities, non-performing loan could be affected by internal as well as
external factor. The risk of non-performing loan will be reduced considerably by the prudential
principle and other credit analysis principles are fully followed by bank as the creditor. This describes
how the bank especially PT BRI (Persero) Tbk. Branch at Lamongan, managed and approved
the applications of loan submitted by its prospective debtors. The models and methods used by the
bank to handle credit default were also explored in this study. To deal with non-performing loan, PT
BRI (Persero) Tbk. Lamongan Branch used several methods, namely Credit restructuration, amicable
settlement involving the direct selling of collateral as well as legal settlement involving KPKNL (The
Office for State Assets and Auction Service) were utilized to handle credit default.

Keywords: Non-performing loan, credit default, credit settlement

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Published

2014-02-17

Issue

Vol. 3 No. 1 (2013): April

Section

Articles

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