ANALYSIS OF PROBLEM CREDIT HANDLING ON PT. BANK PERKREDITAN RAKYAT DURIAN MANDIRI CITY OF SAWAHLUNTO WEST SUMATRA PROVINCE

Abstract

This research was conducted at PT. Bank Perkreditan Rakyat Durian Mandiri which is located on Jalan Zainuddin Tembak, Sapan Kel. Durian II, Kec. Barangin Sawahlunto City. The purpose of this study is to broaden the horizons of credit, especially in terms of how the procedure for resolving non-performing loans is carried out by PT. Bank Perkreditan Rakyat Durian Mandiri. In analyzing the data, the author uses qualitative methods. The results of this study indicate that the causes of non-performing loans are caused by internal bank factors where the bank's lack of accuracy in analyzing the feasibility of a credit to be given, debtor factors which usually occur due to failure in the business being run and external bank factors such as declining economic conditions and natural disasters. The settlement of non-performing loans carried out by PT. Bank Perkreditan Rakyat Durian Mandiri refers to the credit restructuring process in the form of rescheduling, reconditioning, restructuring and foreclosure of collateral.

Keywords: Non-performing Loans, Handling Non-Performing Loans