PELAKSANAAN PENANGGULANGAN KREDIT BERMASALAH PADA PT. ASTRA CREDIT COMPANIES (Cabang padang)
Abstract: For the economic
development of a country, credit is necessity, at this point a lot of a credit
crunch is increasing every year, so in the implementation of financial
institutions should pay attention to the principles of a healty credit. PT.
Astra Credit Companies branch Padang are financial institutions engaged in the
consumer finance sector for the purchase of new car and used cars. Formulation
of the problem discussed is 1) how the landing procedures? 2) whether the cause
of the problem loan? 3) how the settlement of non performing loans at PT. Astra
Credit Companies?. The method used in this study is the sociological method
means that research data is principally obtained by direct research in the
field, data sources consist of primay data and secondary data, data collection
techniques are interviews and document study, analysis of the data used in this
study is a qualitative analysis. Based on research conducted in the filed that
1) lending procedure among others a) stages of the loan application from
prospective customers b) stage of assesment and examination c) credit analysis
phase d) credit decision stage e) notification phase f) stage of implementation
and administration of credit g) phase shifiting security object 2) cause a
credit crunch due a) global crisis, especially for borrowers engaged in the
plantation sector b)layoffs against the debitor c) accident. 3) as for the
completion of the steps of problem loans at PT. Astra Credit Companies branch
Padang by way of debt restructuring that includes a) rescheduling b) delay
payment of credit obligation c) over debitor d) reduction in interest arrears
and penalties. If it is not executed by the debitor then the last way adopted
by PT. Astra Credit Companies are doing auctions.
Penulis: RAHMAH
Kode Jurnal: jphukumdd160508