Social interaction as a method to solve non-performing loan in bank X of Medan Area, Indonesia

Eben Ezer Pasaribu, Zulkili Lubis, Zulkifli Zulkifli, Rizabuana Ismail and Henry Sitorus
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Eben Ezer Pasaribu: Master of Sociology Study Program, Universitas Sumatera Utara, Medan, Indonesia
Zulkili Lubis: Department of Anthropology, Universitas Sumatera Utar, Medan, Indonesia
Zulkifli Zulkifli: Department ofState Administration, Universitas Sumatera Utara, Medan, Indonesia
Rizabuana Ismail: Master of Sociology Study Program, Universitas Sumatera Utara, Medan, Indonesia
Henry Sitorus: Master of Sociology Study Program, Universitas Sumatera Utara, Medan, Indonesia

International Journal of Research in Business and Social Science (2147-4478), 2019, vol. 8, issue 6, 287-291

Abstract: Clients’ non-performing loan is one of the problems faced by a Bank. The differences in character, culture, and people’s socio-economy influence a Bank, through its collectors, to solve the problem of this non-performing loan. The objective of this research was to find out social interaction done by Bank X in solving the non-performing loans of non-performing clients. The research used a qualitative method. The data were gathered by conducting interviews with nine informants – five clients, one collector, and three managers of Bank X in the area of Medan. The result of the research showed that in solving non-performing loan, Bank X did social interaction approach by conducting cooperation in achieving Agreement between collectors and clients, accommodation by understanding clients’ socio-cultural character in order to adjust to clients and to decrease the tension, and contravention by disgracing clients in front of their neighbors. Key Words:Social Interaction, Non-Performing Loans, Client, Collector

Date: 2019
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