Syafira, Azizia (2023) Penyelesaian Kredit Macet Pada Masa Pandemi Covid-19 (studi Kasus PT Oto Multiartha Cabang Batam). Other thesis, Universitas Islam Riau.

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Abstract

Non Performing Loan (NPL) or bad credit on non-performing credit is a condition of customer credit that is no longer able to fulfill the promised performance so that the credit is experiencing problems caused by certain factors, especially during the Covid-19 pandemic which caused the number of bad debts to increase. The Covid-19 pandemic has an impact on the economic sector so that it has an influence on credit installment payments at PT Oto Multiartha Batam Branch. The main problem in this study is how the influence of the Covid-19 pandemic on bad credit due to debtor default at PT Oto Multiartha Batam Branch and how is the solution to settling bad credit during the Covid-19 pandemic at PT Oto Multiartha Batam Branch. The research method used in this research is sociological legal research, namely direct research to research locations using data collection tools in the form of interviews and questionnaires. While the nature of this research is descriptive, namely providing an overview and describing the problem based on facts in the field using primary data and secondary data. The results of the discussion of this research are that the Covid-19 pandemic has greatly influenced the occurrence of bad loans, this is due to the impact arising from the existence of the Covid-19 pandemic, especially the economic sector and the existence of policies that limit people's movement space so that there is no income earned and causing the ineffective implementation of the financing agreement due to the inability of the customer to pay credit installments resulting in default on the financing company so that a settlement solution is needed, namely being able to carry out government policies, namely restructuring credit and solutions from the company, namely PT Oto Multiartha Batam Branch in the form of compensation.

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