UPAYA PENGAMANAN BANK ATAS KREDIT MACET (NON PERFORMING LOAN) DI PERUSAHAAN DAERAH BANK PERKREDITAN RAKYAT BANK JOGJA

This study aims to determine the efforts made by the PD BPR Bank Jogja in order to secure the loan and to know well the efforts made by the PD BPR Bank Jogja in order to cope with bad loans in case the debtor is unable to pay its debts. This research is normative and empirical. Research conducted through library research and research field studies. Results analyzed qualitatively. Analyzed results are presented descriptive. The results showed that the efforts made by the Regional Enterprise (PD) Bank Jogja credit is secured by the credit agreement, BI checking and checking the credit history of the customer as well as insurance.In order to safeguard against the loan will be disbursed, PD BPR Bank Jogja using 2 ( two ) forms of construction law for securing credit, using credit agreement and / or the use of acknowledgment of debt.The choice of 2 (two) forms of legal construction is seen from the value of the credit to be disbursed. Loans with a value of over 100 million using the credit agreement, the credit while using up to 100 million letter of acknowledgment of debt. While the efforts made by PD BPR Bank Jogja in overcoming bad loans done in two ways, namely by performing ongoing billing persuasively with the family and with tightening of credit analysis to business owned by the debtor. This work is done before the execution of Bank guarantee/ security rights and civil suit. This research is expected to provide benefits in the form of input and reference materials for the parties directly concerned with the study and contribute ideas in the field of law in particular juridical civil law, as well as to provide information to the public regarding the implementation of the bank credit agreement