ANALISIS TINGKAT KESEHATAN BANK DILIHAT DARI STANDAR NON PERFORMING LOAN (NPL) PADA PT. BANK PERKREDITAN RAKYAT RAGA DANA SEJAHTERA CABANG PADANG
Yori Qalbi Khairi and
Ratna Widayati
No qavdy, OSF Preprints from Center for Open Science
Abstract:
This study aims to determine the level of bank health at PT. BPR Raga Dana Sejahtera in the Padang branch by using non-pefoming loan standards in 2015-2017, the impact of non-performing loans on company profits in 2015-2017, efforts made to overcome non-performing loans at PT. BPR Raga Dana Sejahtera Padang branch in 2015-2017. Data was collected using interviews and documentation. Data were analyzed using case study analysis with a quantitative approach. The results showed that the classification of the Bank's health level there are four categories, namely: healthy, healthy enough, less healthy, and unhealthy. the impact of non-performing loans to the Bank is the decline in profits, disruption of cash turnover, reduced level of bank soundness, reduced bank capital, and decreased public confidence. efforts made to overcome problem loans at PT. BPR Raga Dana Sejahtera Padang branch is a restructuring, rescheduling, foreclosure guarantee, and write off loans (write off receivables).
Date: 2020-08-04
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Persistent link: https://EconPapers.repec.org/RePEc:osf:osfxxx:qavdy
DOI: 10.31219/osf.io/qavdy
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