PENYELESAIAN KREDIT MACET YANG TERJADI PADA KREDIT USAHA KECIL INFORMAL PADA PT.BPR KHATULISTIWA BONJOL KANTOR PUSAT DI KECAMATAN LUBUK SIKAPING KABUPATEN PASAMAN PROVINSI SUMATERA BARAT

Hendrico Rahmat, Maryati Bachtiar, Dasrol '

Abstract


Banking institutions is a financial intermediary, which means that banks can obtain
funds from the parties that have many funds are then channeled to those who need funds.
Once the magnitude of the role of money in meeting the needs, ways to earn money as a
source of revenue through the proposed loans to banks and other financial institutions. Rural
Bank business one of which is providing credit, the practice of granting credit to customers
there are problems facing the bad credit. PT.BPR Khatulistiwa Bonjol has some kind of
credit one of them is an informal small business loans, small business loans are used by
borrowers to informal working capital or investment, which is beneficial to the debtor. In the
informal small business lending to customers there are problems of bad loans made by
customers PT.BPR Bonjol Equator and needed resolution.
The purpose of this thesis How does the process of resolving the bad debt problem
that occurs in informal small business loans on the PT.BPR Khatulisitwa Bonjol snag in the
district headquarters Lubuk Sikaping, Are the factors that cause bad credit happens to small
business loans in the informal PT.BPR Khatulisitiwa Bonjol headquarters in district Lubuk
Sikaping, What are the obstacles that occur in the process of settlement of bad loans which
occur in informal small business loans on the PT.BPR Khatulistiwa Bonjol snag in the
district headquarters Lubuk Sikaping
From this research it can be concluded that the first step taken by PT.BPR
Khatulisitwa Bonjol in dealing with bad loans that occurred in informal small business loans
is sending warning letters, perform settlement, sells credit guarantee is the latest step taken
by PT.BPR Khatulisitiwa Bonjol, factors that cause bad credit happens to small business
loans in PT.BPR Khatulisitwa Bonjol informal headquarters in the District Lubuk Sikaping is
abusing Debtor informal small business loans, impaired health Debtor, Debtor less able to
manage credit in developing, the debtor's bad faith in the resolution of bad debts, barriers
that occur in the process of settlement of bad loans which occur in informal small business
loans on the Equator PT.BPR snag in the district headquarters Lubuk debtor Sikaping is bad
faith, the Equator PT.BPR Bonjol must be able to draw up a mature and predictable planning
carefully for the future business prospects of the debtor, the debtor in order to have a high
awareness to fulfill its obligations to the bank and the debtor perform well before bank loans
to the debtor should be able to estimate whether the development effort can pay the loan
credit.
Keywords: -Settlement -Bad credit -Informal small business loans

Full Text:

PDF

Refbacks

  • There are currently no refbacks.