ANALISIS KREDIT BERMASALAH PADA PT. BANK TABUNGAN PENSIUNAN NASIONAL (PERSERO) Tbk. KANTOR CABANG PEMBANTU WONOGIRI

Anindita, Galuh Nastiti (2011) ANALISIS KREDIT BERMASALAH PADA PT. BANK TABUNGAN PENSIUNAN NASIONAL (PERSERO) Tbk. KANTOR CABANG PEMBANTU WONOGIRI. Other thesis, Universitas Sebelas Maret.

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    Abstract

    The purpose of this research was to determine the ratio of non-performing loans in BTPN KCP Wonogiri, find out the cause of problem loans, and how the effort BTPN KCP Wonogiri in dealing with problem loans that happen. Step of this research is conducted by comparing the theory and practice are actually doing. The results of this research that NPL BTPN KCP Wonogiri year 2009 of 0,036% and 2010 amounted to 0,039%. The cause of problem loans that usually happens is there are borrowers who have multiple loans, returns Post Office bill, stopping pension fund, pension is minus, loan application with false SKEP, the debtor dies, delays mutation process, employee fraud such as embezzlement repayment, credit dompleng, and fictitious credit. Efforts are made BTPN KCP Wonogiri to handle problem loans by sending the notice, sent a letter of warning, on the spot to address the debtor. Restructuring credit can be done with a credit period extention, grace period, and lower interest rates. The conclusion of this research was NPLs that occurred over the internal policies NPL BTPN KCP Wonogiri is 0,01%, and NPLs increase from the year 2009 to year 2010 amounted to 0,003%. The cause of non-performing loans there are any debtor who died and there was no confirmation from their heirs also there are partners BTPN KCP Wonogiri less responsible in implementation of cutting credit installment. Efforts on the spot to collection the problem loans in BTPN KCP Wonogiri less than maximum because CAS aren’t free to leave office as PIC Collect. Based on the results, researchers give some suggestion that BTPN KCP Wonogiri should make separation duties of PIC Collect previously held by CAS to CAO, and improve coordination/ cooperation with partners so cutting credit installments can be realized according to the agreement. Keywords: NPLs, problem loans, on the spot

    Item Type: Thesis (Other)
    Subjects: H Social Sciences > HB Economic Theory
    H Social Sciences > HG Finance
    Divisions: Fakultas Ekonomi > D3 - Akuntansi
    Depositing User: Ayu Purnama Sari
    Date Deposited: 12 Jul 2013 03:01
    Last Modified: 12 Jul 2013 20:25
    URI: https://eprints.uns.ac.id/id/eprint/2035

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