Penyelesaian Kredit Macet di Bank NTT

This writing aims to find out the principle of prudence in granting credit at BANK NTT and to find out the efforts made by Bank NTT in a legal settlement in the event of default if the debtor has died. This research was conducted at Bank NTT Oebobo Branch. The type of research used is empirical juridical; this study's data sources consist of primary and secondary data, with data collection techniques carried out by literature study and interviews. The data analysis method used is the qualitative method. The result of this research is that the principle of prudence in granting credit at Bank NTT is applied at the time of credit application, credit analysis, credit decision, credit realization and credit coaching, while efforts in a legal settlement in the event of default if the debtor has passed away, are restructuring, collection efforts with warning letters or summonses and auction of mortgages through the state property and auction service office. Not all creditors can return credit as agreed in the contract. To guarantee the creditor's trust in the repayment of credit by the debtor, a collateral object is required. The institution of collateral rights binds immovable collateral objects. However, problems often occur in executing collateral objects. Execution of collateral objects can be executed through public auctions or by execution under the hand. Execution of credit collateral encumbered by mortgage rights underhand is a more accessible alternative and must take precedence