ANANDA, JOSIKA (2024) IMPLEMENTASI RESTRUKTURISASI DALAM UPAYA PENANGANAN KREDIT BERMASALAH DI PT BPR NUR SEMESTA INDAH JEMBER. Diploma thesis, Institut Teknologi Dan Sains Mandala Jember.

Text Tugas Akhir Ananda Josika (21010004).pdf Download (2MB)

Abstract

ABSTRACT This research is entitled "Implementation of Restructuring in Efforts to Handle Problematic Credit at PT BPR Nur Semesta Indah Jember". This research is qualitative research conducted to find out about the Implementation of Restructuring in Efforts to Handle Problematic Credit. This research uses descriptive qualitative methods. Non-performing loans are loans with doubtful collectibility. In overcoming problematic credit, namely by Credit Restructuring. The research results show that the factors that cause problematic credit at PT BPR Nur Semesta Indah Jember are internal factors and external factors. Problematic credit factors occur due to defaults by customers, whether intentional or unintentional. Intentional default is related to the character of the customer who does not have openness towards the bank regarding the customer's loans/liabilities so that the customer cannot complete his obligations, and to deal with problem loans the bank carries out credit restructuring, namely by rescheduling (which can be said to extend the credit term and extend the term installments), GS (Simple Lawsuit) and the next method, namely sale of goods/auction (last resort if the customer no longer has good faith or is no longer able to pay back his obligations). Keywords: Credit, Implementation, Restructuring, Loss

Item Type:	Thesis (Diploma)
Subjects:	H Social Sciences > HB Economic Theory
Divisions:	D3 PERBANKAN-D3
Depositing User:	Handoko Triharso
Date Deposited:	10 Feb 2025 06:34
Last Modified:	10 Feb 2025 06:34
URI:	http://repo.itsm.ac.id/id/eprint/1266

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