Sandi, Mahendra Delva (2023) Aspek Hukum Pelaksanaan Penyaluran Kredit Usaha Kecil Menengah Dalam Mengatasi Kredit Macet (studi Kasus Penyaluran Kredit Bank Di PT. Bank Perkreditan Rakyat (BPR) Mitra Arta Mulia). Other thesis, Universitas Islam Riau.

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Abstract

Banking is everything related to banks, including institutions, business activities, as well as ways and processes of carrying out conventional and sharia business activities as referred to in the Law on Banking and the Law on Sharia Banking. Development the economy of the people in Bengkalis Regency, in the course of the Credit Agreement, the community feels that the agreement agreed upon is not in accordance with the current conditions and developments which are causing problems in the community. The main problem in this study is how the implementation of lending to small and medium enterprises in overcoming bad loans at Pt Bank Perkreditan Rakyat Mitra Arta Mulia, Bengkalis Regency with Customers and Micro, Small and Medium Enterprises, Kab. Bengkalis and What Are the Obstacles in the Implementation of Small and Medium Enterprises Loan Distribution in Overcoming Bad Loans in Bengkalis Regency. The method used is normative legal research. Based on the results of research interviews, documentation and observations, it is known that Settlement of Bad Loans in MSME Business Actors Against Business Capital Financing Implementation of Credit Distribution for Small and Medium Enterprises in Overcoming Bad Loans at Pt Bank Perkreditan Rakyat Mitra Arta Mulia Kab. Bengkalis. The implementation of resolving bad credit will vary depending on the condition of the bad credit. Is the debtor cooperative in trying to resolve the bad credit? If the debtor is cooperative in seeking settlement of his credit and still has good business prospects, a credit restructuring is carried out. Legal Consequences of Settlement of Bad Loans for MSME Business Actors Against Business Capital Financing in Banking that can be seen from the three decisions, the legal consequence of resolving bad loans on MSME business actors for business capital financing in banking is to pay off the entire debt to the Bank, namely the remaining debt principal, interest and penalty, as much as stated in the agreement.

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