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
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
theinformal 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 problemthat 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 isabusing 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 badfaith, 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.
Penulis: Hendrico Rahmat
Kode Jurnal: jphukumdd151196
