PENANGANAN KREDIT MACET PADA BRI CABANG X
DOI:
https://doi.org/10.26905/j.bijak.v1i1.2779Keywords:
Penanganan, Kredit MacetAbstract
The research aims to find out how to deal with bad credit to minimizethe level of NPL at Bank BRI Branch X. Data collected in the form of primary
data and secondary data. The method used is descriptive qualitative. The findings are the process or method of handling bad credit applied to Bank BRI Branch X through internal and external factors can be seen from the figures in the NPL table that handling bad credit is done very well.
The results of the study show that the handling of credit at Bank BRI
Branch X is carried out by means of Account Officer (AO) prudence in the
selection of customers by taking into account various things to consider such as the type of business, character, and credibility of prospective customers. The reason is that the AO's actions in determining customers greatly affect the smoothness of future installment payments. Besides that there are several factors that are beyond the control of AO employees such as increased business, business risks, and the character of the customer itself that cannot be predicted from the start by AO employees. If there is problematic credit, efforts to save credit are also carried out, one of which is the application of the 3R principle and the most frequently applied is restructuring.
References
Dahlan Siamat. 2001. Manajemen Lembaga Keuangan. “Kebijakan Moneter dan
Perbankanâ€, Edisi pertama, Penerbit : Fakultas Ekonomi Universitas Indonesia,
Jakarta
Kuncoro Mudrajad. 2003. Metode Riset untuk Bisnis & Ekonomi.
Jakarta:Erlangga
Messai Ahelm S. 2013. Micro and Macro Determinants of Non-perfoming Loans.
International Journal of Economics and Financial Issues. Vol 3(4)
Taswan.2013. Akuntansi Perbankan Transaksi dalam Valuta Rupiah Edisi
ketiga.Yogyakarta : UPP STIM YKPN.
Undang-undang Perbankan No 10 Tahun 1998 : Kamir, Bank dan Lembaga
Keuangan lainnya, Edisi 6 cet-6 (Jakarta GrafindoPersada, 2002)
Yousefi Niloofar,et all. 2011. Proposed Classification of Data Mining Techniques
in Credit Scoring. International Conferences on Industrial Engineering and
Operations Management
Downloads
Published
Issue
Section
License
Authors who publish in JURNAL BISNIS DAN PERPAJAKAN (BIJAK) agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work. (See The Effect of Open Access)
Â
JURNAL BISNIS DAN PERPAJAKAN (BIJAK) - D3 Akuntansi, Fakultas Ekonomi dan Bisnis, Universitas Merdeka Malang Published by University of Merdeka Malang, is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
