identifikasi penyebab kredit bermasalah dan penyelesaian kredit bermasalah pada PT BPR Pura Arthakencana Jatipuro Cabang Solo Baru

ABSTRACT THE IDENTIFICATION OF CAUSED NON PERFORMING LOANS AND SATTLEMENT OF NON PERFORMING LOANS IN PT BPR PURA ARTHAKENCANA JATIPURO SUBDIVISION of SOLO BARU AYUDYA ENGGAR DHANESWARA F 3614025 One of the functions of the bank is to collect funds from the community in the form of savings and channel it to the community in the form of credit or loans. Loans disbursed always contain a risk for the bank that is problem loans. Nonperforming loans are a condition in which the customer is unable to pay part or all of the obligations to the bank as agreed. In this study the authors use primary data and secondary data. Primary data is data obtained by interview directly with related parties with research obtained from PT BPR Pura Arthakencana Jatipura subdivision of Solo Baru. Secondary data is supporting data obtained from other sources related to research object. The discussion of this research is the factors causing non performing loans and the settlement of non-performing loans. The cause of non performing loans at PT BPR Pura Arthakencana Jatipuro subdivision of Solo Baru is caused by two factors, from internal and external side. Internal factors include the weakness of the bank in analyzing the character of the customer and the lack of credit supervision. While the external factors such as the debtor died, the debtor business is not fluent, the difficulty of liquidity, natural disasters and government regulations. The settlement of non performing loans conducted by PT BPR Pura Arthakencana Jatipuro subdivision of Solo Baru through two lines namely Non Litigation and Litigation. Non-Litigation carried out the guidance of the debtor, withdrawal of collateral and credit restructuring while Litigation is the last effort with the execution of collateral through private auction hall. But until now in PT BPR Pura Arthakencana Jatipuro subdivision of Solo Baru has never been a case of settlement of non performing loans through the litigation path. Suggestions that can be conveyed writer that is for PT BPR Pura Arthakencana Jatipuro subdivision of Solo Baru should be more thorough again in analyzing the character of prospective borrowers and conduct full supervision of debtor business. Keywords: non performing loans factor, Credit settlemen