STRATEGI PENYELAMATAN KREDIT BERMASALAH DI BANK JATIM CABANG BOJONEGORO

Banking was one of fund resource for both individual and corporation in order to fulfill the need of fund. In giving the credit banking will be carefully and through deep analysis. But in giving their credit some times credit given by the debtor not back on time. This condition called credit problem. That credit problem annoyed bank performance, therefore credit problem should be solved. Bojonegoro Branch Bank of East Java as a conducting apprenticeship makes writers interested in making the office as the object of the writer's observation regarding credit criteria that are considered problematic, handling procedures, parties involved, causes, treatment solutions and obstacles encountered in resolving problem loans. From the research can be seen that the borrower experienced arrears 3-4 months in the category of groups substandard, then the Bank will perform billing and restructuring actions. Delinquent debtor 4 to 6 months in the category group is doubtful, then the Bank will conduct a security guarantee and undertake restructuring actions as well as insurance claim. As for debtors who borrower experienced > 6 months and entered into the category of jam, then the Bank will perform a credit settlement with the debtor way given the option to sell its own assets or bank filed auction. Keywords: Credit Proble