PENYELESAIAN KREDIT BERMASALAH PT. BANK PEMBANGUNAN DAERAH (BPD) SUMBAR CABANG ALAHAN PANJANG KABUPATEN SOLOK

Ilham Febriansyah and Afriyeni Afriyeni

No vutmj, OSF Preprints from Center for Open Science

Abstract: In line with the rapid development in Indonesia especially economic evelopment, the financial institutions such as banks is one tool to help the smooth economy as a provider of capital in the form of credit. Banks as financial institutions are never separated from credit because the amount of credit disbursed will determine the bank's profit. If the bank does not disburse its credit well while the funds collected from the deposit enough, it will not be good for the bank because the funds will settle will harm the bank. Loans made by banks do not always go smoothly and so does PT. Bank Pembangunan Daerah (BPD) Sumatera Barat Cabang Alahan Panjang Kabupaten Solok because one day the bank is difficult to ask the installment of the debtor on something Therefore, the management must be done professionally with the help of strict supervision in anticipation of problem loans. Non performing loans are caused by customers who can no longer pay their mortgage, either the interest or the principal of the loan in accordance with the agreed agreement between both parties, namely between the bank with the customer and the nonperforming loans will result in losses to the bank because the fund can not channeled back by the bank, then this study was conducted aims to determine the causes of problem loans and their completion. The method used by the authors in this study is observation with direct observation in the field, interviews with the bank and literature study by looking at the readings related to the research. The results showed that the causes of nonperforming loans at PT Bank Pembangunan Daerah (BPD) Sumatera Barat Cabang Alahan Panjang Kabupaten Solok is a factor of its customers. Most of its customers are experiencing crop failure due to natural disasters. Settlement of Non Performing Loans at PT Bank Pembangunan Daerah (BPD) Sumatera Barat Cabang Alahan Panjang Kabupaten Solok is by Rescheduling or rescheduling, Reconditioning or re-requirements and Restructuring or rearrangement.

Date: 2018-12-29
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DOI: 10.31219/osf.io/vutmj

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