Pelaksanaan Prinsip Kehati-hatian dalam Mengantisipasi Terjadinya Kredit Macet (Studi di Bank BJB Cabang Pekanbaru)

Chaikal, Ardian (2018) Pelaksanaan Prinsip Kehati-hatian dalam Mengantisipasi Terjadinya Kredit Macet (Studi di Bank BJB Cabang Pekanbaru). Other thesis, Universitas Islam Riau.

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	Text 5. DAFTAR ISI.pdf Download (360kB)
	Text 6. BAB I.pdf Download (649kB)
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Abstract

The precautionary principle is a very important principle as the banking operation guidelines applicable to banks orldwide as defined by the Bank for International Settlements (BIS). At the time of the issuance of Banking Deregulation Packages February 28, 1991 prudence principles were first introduced. The main problem in this research is about the implementation, constraints, and effort to overcome obstacles in the implementation of prudential principles in anticipating the occurrence of bad debts in Bank BJB Pekanbaru Branch. The type of research used is observational research or research observation by survey, ie research that directly conduct research on location to get the required data. While the nature of this research is descriptive. Implementation of prudential principles in anticipating the occurrence of bad debts in Bank BJB Pekanbaru Branch has been done at the time of receipt of the file by applying Principle 5 C, namely: Character, Capacity, Capital, Collateral, and Condition. In addition to implementing the 5C principle is also applied principles know your costumer and integrity principles for each employee. Constraints in the implementation of prudential principles in anticipating the occurrence of bad loans in Bank BJB Pekanbaru Branch outline consists of 2 (two) parts, namely from internal and external factors. Efforts to overcome obstacles in the implementation of prudential principles in anticipating the occurrence of bad debts in Bank BJB Pekanbaru Branch, are on the spot or direct visit at the stage of verification file entry of prospective borrowers, there is a need for knowledge other than banking, the collateral submitted to the bank must be marketable, when the traffic jam has been settled there is a choice of dispute settlement, and implement the principles of prudence in accordance with applicable laws and regulations.

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