Pengawasan Kredit Pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Slamet Riyadi Surakarta Untuk Mencegah Kredit Bermasalah

This research aimed to find out the development of Non Performing Loan (NPL) ratio by PT. Bank Tabungan Negara (Persero) Tbk of Surakarta Branch Office from 2014 up to 2016, to find out the application of loan introduction in building debtor and to find out the application of loan supervision in preventing the non-performing loan from occurring. The research method employed was descriptive one. Data employed consisted of primary and secondary ones. Primary data was obtained through interview and observation. Meanwhile, secondary data was obtained from a book entitled Kajian Ekonomi Regional Eks Karesidenan Surakarta (A Regional Economyc Study in Ex Surakarta Residency) in 2016. The conclusion of research was that Non Performing Loan (NPL) rate by PT. Bank Tabungan Negara (Persero) Tbk of Surakarta Branch Office during 2014-2016 was higher than that of General Bank in Surakarta, loan introduction in building debtor and loan supervision by PT. Bank Tabungan Negara (Persero) Tbk of Surakarta Branch Office had run corresponding to the existing procedure. Loan supervision system was conducted from loan application to post-disbursement to prevent the non-performing loan. The recommendation given was that the bank should provide a system accessible to debtor more effectively and efficiently, improve loan supervision over debtor to minimize the risk of loan and create a specific division to make the overseeing more directed. Keywords: Non-performing Loan, Loan Introduction, Loan Supervisio