UPAYA BANK DALAM PENYELESAIAN KREDIT BERMASALAH DALAM PERJANJIAN KREDIT KUR MIKRO (Studi di PT. Bank Rakyat Indonesia, Tbk. Unit Pakis)

The main function of the Bank as a financial institution is to raise funds as well as channel funds from and to the community. One form of fund disbursement carried out by Bank BRI Unit Pakis is in the form of credit. The credit that many people are interested in is the People's Business Credit (KUR), which is specifically for MSMEs. However, in the distribution of KUR loans it does not rule out the possibility of future risks, namely defaults by customers in the form of non-performing loans. Therefore this research takes two formulations of the problem, the first is how the implementation of the Micro KUR agreement between the Bank BRI Unit Pakis and the customer, the second is how the bank resolves if there is a problem loan by the customer in the KUR Mikro credit agreement. This study uses a sociological juridical approach to purposive sampling. The primary data sources were obtained from interviews with respondents, namely Customers, BRI Unit Heads, and Pakis Unit BRI staff and secondary data obtained from legislation. Through this research approach, it was concluded that to solve non-performing loans in KUR Micro lending at Bank BRI Unit Pakis is by continuous collection, extension of the time of installment payments, collateral claims owned by the customer