ANALISIS PENANGANAN KREDIT MACET DALAM UPAYA MENGURANGI TINGGINYA NON PERFORMANCE LOAN (Studi kasus PT Bank Rakyat Indonesia (Persero) Tbk unit Sekupang)

Abstract

The problem that occurred was that the average Non-Performing Loan (NPL) ratio of the Sekupang Unit was one of the Units with the highest NPL percentage compared to other work units with a value of 55.31%. Non-performing loans arising from the distribution of working capital loans at PT Bank Rakyat Indonesia (Persero) Tbk Sekupang Unit are still quite high, therefore the Sekupang Unit must continue to strive to anticipate the occurrence of non-performing loans in the future. To anticipate the emergence of non-performing loans, banks must be careful in analyzing the feasibility of prospective debtors' businesses before working capital loans are distributed. This study uses a qualitative method by conducting interviews with 3 sources, heads of bank units and officers who are closely related to credit problems. The results of the study found that the factors causing the occurrence of non-performing loans at Bank BRI Sekupang Unit were 2 factors, namely internal and external factors. Internal factors are caused by the customer themselves who have bad intentions not to pay off the installment obligations. External factors are factors that occur because they are beyond the control of the customer. Handling of bad debts carried out by Bank BRI Sekupang Unit is by restructuring credit, a proactive approach and strict monitoring, collaboration with the collection and legal team, selling repossessed assets (AYDA), strengthening credit policies, training and education of staff, credit recovery programs, providing incentives for quick settlement, strengthening relationships with customers.