Marhamah, Nur Lailli (2025) Penyelesaian Wanprestasi Terhadap Perjanjian Kredit di Pt. Bpr Mandiri Jaya Perkasa Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

The community needs funds to implement programs to improve the standard of living of the community to meet their needs and for business capital. One of the financial institutions that provide financing is a bank. Banks are financial institutions that are a place for individuals, private business entities, state-owned business entities, and even government institutions to borrow the funds needed through credit activities and various services provided, banks serve financing needs and smooth payment mechanisms for the economic sector. The main problem taken from this research is the factors that cause defaults at PT BPR Mandiri Jaya Perkasa Pekanbaru and how to resolve a default case committed by PT BPR Mandiri Jaya Perkasa Pekanbaru. The method used is observational research, namely by means of a survey conducted by going directly to the field. The data sources used in this research are primary data and secondary data. And the nature of the research is descriptive analysis. Keywords: Financial Institutions, Default As a result of the research, the factors that cause default at PT BPR Mandiri Jaya Perkasa Pekanbaru are internal factors caused by the credit itself such as less thorough credit analysis and poor procedures. As for external factors caused by the negligence of the debtor/customer itself such as misuse of borrowed funds. Efforts to resolve defaults made by PT BPR Mandiri Jaya Perkasa Pekanbaru include supervising borrowers who have made late credit payments or have not made payments for 1 month. This supervision is carried out by finding out the condition of the borrower. The bank will approach the borrower by giving direction, guidance, and informing the risk that will be obtained by the borrower if the borrower is late in paying installments.

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