PRIYATNA, IGNANDI (2024) PROSEDUR PENYELESAIAN KREDIT MACET PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN, Tbk. KANTOR CABANG KHUSUS BANTEN. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Research conducted at PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Banten Special Branch Office. The purpose of this research is to find out the bad credit settlement procedure. The research method used is descriptive data collection techniques with observation, interviews and documentation. The results of the study show that (1) The causes of bad credit are due to internal factors (weaknesses in the analysis stage of credit granting, credit agreements, credit disbursement and credit monitoring), debtor factors (no good faith, management weaknesses, and disaster by the debtor), and external factors (economic conditions, natural disasters, and political pressure outside the bank). (2) The rescue of bad loans can be carried out by means of the 3R, namely rescheduling, reconditioning, and restructuring. While the procedure for settlement of bad loans is carried out by making visits in a family manner, carrying out billing, making and submitting warning letters, withdrawing collateral and auctioning collateral.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Penelitian dilakukan di PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Kantor Cabang Khusus Banten. Tujuan dari penelitian ini adalah untuk mengetahui prosedur penyelesaian kredit macet. Metode penelitian yang digunakan adalah teknik pengumpulan data deskriptif dengan observasi, wawancara dan dokumentasi. Hasil penelitian menunjukan bahwa (1) Penyebab terjadinya kredit macet yaitu karena faktor internal (kelemahan pada tahap analisis pemberian kredit, perjanjian kredit, pencairan kredit dan pengawasan kredit), faktor debitur (tidak ada itikad baik, kelemahan manajemen, dan terjadinya musibah oleh debitur), dan faktor eksternal (kondisi ekonomi, bencana alam, dan adanya tekanan dari politis di luar bank). (2) Adapun penyelamatan kredit macet dapat dilakukan dengan cara 3R yaitu penjadwalan kembali (rescheduling), persyaratan kembali (reconditioning), dan penataan kembali (restructuring). Sedangkan prosedur penyelesaian kredit macet dilakukan dengan melakukan kunjungan secara kekeluargaan, melakukan penagihan, membuat dan menyampaikan surat peringatan, penarikan agunan dan lelang agunan. | |||||||||
| Uncontrolled Keywords: | Procedure, Non-Performing Loan, Bank BJB KCK Banten. Prosedur, Kredit Macet, Bank BJB KCK Banten. | |||||||||
| Subjects: | L Education > L Education (General) L Education > LB Theory and practice of education |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Ignandi Priyatna | |||||||||
| Date Deposited: | 06 Jun 2024 11:11 | |||||||||
| Last Modified: | 06 Jun 2024 11:11 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/35672 |
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- PROSEDUR PENYELESAIAN KREDIT MACET PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN, Tbk. KANTOR CABANG KHUSUS BANTEN. (deposited 06 Jun 2024 11:11) [Currently Displayed]
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