Penyelesaian Kredit Bermasalah dalam Perjanjian Kredit Pemilikan Rumah (Kpr) pada PT. Btn (Persero) Cabang Surakarta

Abstract

This study aims to determine how the settlement of non-performing loans in the credit agreements existing housing in Bank Tabungan Negara (Persero) Branch of Surakarta. This type of research is a kind of empirical used with a qualitative approach. The type of data used are primary data and secondary data, engineering data collection through interviews, and literature, as well as using qualitative analysis techniques with interactive model. From the research and study of the implementation of the settlement known problem loans in the credit agreements existing housing in Bank Tabungan Negara (Persero) Branch of Surakarta must be conducted in accordance with Standard Operating Procedures have been established and carried out through the mechanism of debt restructuring and through the auction of collateral. Restructuring made to debtors who meet the criteria of which debtors experiencing difficulties or the payment of principal and interest loan, borrowers have good faith and cooperative, and the debtor has good business prospects and projected that to meet obligations as restructured loans. Debtors who do not meet the criteria and can not fulfill the obligation at all, it will be an auction of collateral