Ihsan, Muhammad (2023) Wanprestasi Dalam Perjanjian Kredit Pada Bank Nagari Cabang Bukittinggi. Other thesis, Universitas Islam Riau.

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Abstract

Default is a condition where the debtor cannot fulfill his responsibilities due to negligence or mistakes that are not in accordance with what is in the agreement. The default that caused problem loans occurred at the Bukittinggi Branch Nagari Bank. Not all loans given to customers run smoothly, there are some customers who cannot pay off their loans due to certain factors that can cause credit problems to the bank. The problems that exist in this study are how the form of default in the credit agreement made by the debtor to the bank and how the bank does to resolve the default problem committed by the debtor in the credit agreement at Bank Nagari Bukittinggi Branch. This research uses empirical legal research or it can be called sociological legal research. If viewed from the nature of the research, this research is included in the type of descriptive research. This research was conducted at Bank Nagari Bukittinggi Branch. The data obtained in this study came from primary data from interviews and secondary data obtained from articles, books and scientific papers. The author collects data through interviews which are analyzed qualitatively and then described descriptively. Drawing conclusions using the inductive method. Based on the results of the author's research, it can be concluded that the form of default committed by the debtor of Bank Nagari, Bukittinggi Branch, is late fulfilling promises and not carrying out what was promised. There are several stages in the default settlement technique, starting from giving a warning letter, rescheduling credit, changing credit terms, changing the credit loan structure, selling debtor assets to auctioning collateral or guarantees.

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