Upaya mengatasi kredit bermasalah pada Pt bank tabungan negara tbk kantor Cabang surabaya

Bank is financial institution that has an important role in the growth of national economy. It is also a credit distributor for the society. However, credit is a big risk for the bank. The decline in the ability of debtors to complete their credit is one of the factors that cause the occurrence of non-performing loans or commonly called the Non Performing Loan (NPL). Bank BTN’s Branch Office has a problem of lower non-performing loans compared to the National Bank BTN. The research method that is usedto this research is descriptive method while the method of data collection is documentation and interview. Based on the results of research at the bank BTN Surabaya Branch Office credit granting can be said to be problematic if the debtor has deviated from the first agreement or the debtor does not pay installments that have been agreed. Handling this case of problem there are several ways, namely the first credit guidance which includes telephone reminders, mail delivery, home debtor's visit, and sealing of the house, and the second is the rescue. The solution in handling problem loans that is rechedulin, reconditioning, restructuring, and auction of collateral. Keywords : Non Performing Loan (NPL), Solution