Tinjauan Terhadap Penyelesain Kredit Bermasalah Pada Perjanjian Kredit Pengakuan Hutang Dengan Kepercayaan (Fidusia) Di PT. Sinarmas Multifinance Cabang Jalan Riau Pekanbaru

Yeni, Fitri (2020) Tinjauan Terhadap Penyelesain Kredit Bermasalah Pada Perjanjian Kredit Pengakuan Hutang Dengan Kepercayaan (Fidusia) Di PT. Sinarmas Multifinance Cabang Jalan Riau Pekanbaru. Other thesis, Universitas Islam Riau.

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Abstract

Non-Performing Credit Loans that are disbursed when the repayment is late compared to the predetermined schedule, not even at all. Bad credit, namely credit for paying actions, there is a delay from the payment schedule as it should be. Bad Credit often occurs in a Credit agreement, which is a condition of the debtor's inability to pay an obligation that has been mutually agreed upon by the creditor so that losses on the creditor as happened to,PT.Sinarmas branch Jalan Riau Pekanbaru. The principle of credit appraisal, which is the minimum standard commonly used among banks, is the 5C theory of credit analysis, namely: character assessment, capacity assessment, capital assessment, collateral assessment, and prospect assessment. debtor customer's business (conditions of economic). In analyzing each credit application, the possibility of a credit problem must exist. It's just that in this case, how to minimize this risk to a minimum. The main problem of this description is whether the factors causing the occurrence of non-performing loans in the credit agreement at PT.Sinarmas Multifinance Riau street branch, Pekanbaru and how to solve problem loans in a credit agreement with BPKB guarantees at PT.Sinarmas Multifinance branch Jalan Riau Pekanbaru. The purpose of this study is to find out and understand what factors cause bad credit and efforts to resolve bad loans that occur at PT Sinarmas branch Jalan Riau Pekanbaru. The method used in this paper is observational research, namely direct survey of the field. From this study, the authors conclude that there are two factors that cause bad credit, namely external factors, namely because the debtor experiences obstacles or difficulties in economic needs because of something or a disaster that causes late payments in paying off installments as well as due to the lack of faith. both from the debtor to the financing institution. Meanwhile, the internal factor is the lack of information and supervision in credit circulation, which causes supervision to be not optimal. And the efforts made in settling bad credit at PT.Sinarmas branch Jalan Riau are through out of court and non-litigation settlement.

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