Pelaksanaan Penyelesaian Kredit Macet Dengan Hak Tanggungan Pada PT. Bpr Unisritama Kabupaten Kampar

Ananda, Ulfa (2019) Pelaksanaan Penyelesaian Kredit Macet Dengan Hak Tanggungan Pada PT. Bpr Unisritama Kabupaten Kampar. Other thesis, Universitas Islam Riau.

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Abstract

Credit is the provision of money or equivalent bills, based on an agreement or loan agreement between the bank and another party that requires the borrower to repay the debt after a certain period of time with interest. Before giving credit, the bank first conducts a credit analysis to convince the bank whether the customer is truly trustworthy or not. Credit analysis aims to ensure that the bank believes that the credit provided is truly safe. The problems that will be discussed in this study are the settlement of bad loans with Mortgage Rights and the factors that cause the occurrence of bad credit at PT. BPR Unisritama kampar district. This type of research is Observational Research with the nature of descriptive analysis. The research location is PT. BPR Unsiritama Kampar Regency. The population is credit and credit analysts. There are 2 people and, the number of customers of PT. Unisritama Bank of Kampar who experience bad credit is 42 people, taken 30% to 13 people using purposive sampling. The data sources used are primary data and secondary data. The data collection techniques used in this research are interviews and questionnaires. The data obtained are then analyzed by descriptive method which is then drawn conclusions by inductive conclusion method. The results of this study, which became the factors causing the occurrence of bad credit at PT. BPR Unisritama Kampar Regency is caused by debtors. That is the failure of the debtor's business, the ability of the debtor has been reduced, the decline in economic activity and the existence of bad faith from the debtor. It's not just the debtor, bad credit is also caused by the bank, which is a lack of bank analysis of prospective customers and a decrease in the level of caution in managing credit. With the existence of credit that is experiencing bad credit, then the steps taken by doing credit rescue. If the rescue cannot be reached, the bank takes the road by conducting a credit settlement by executing collateral and auctioning it through the State Wealth and Auction Service Office as stipulated in Article 6 of Law Number 4 of 1996 which states that if the debtor is injured, then the holder of the right first has the right to sell the Underwriting Right object on his own power through a public auction and take payment of his debt from the sale.

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