TINDAKAN HUKUM DALAM PENYELAMATAN DAN PENYELESAIAN KREDIT BERMASALAH ( NON PERFORMING LOAN ) OLEH BANK RAKYAT INDONESIA CABANG TEMANGGUNG TAHUN 2002 – 2006

S A R T O N O, (2008) TINDAKAN HUKUM DALAM PENYELAMATAN DAN PENYELESAIAN KREDIT BERMASALAH ( NON PERFORMING LOAN ) OLEH BANK RAKYAT INDONESIA CABANG TEMANGGUNG TAHUN 2002 – 2006. Masters thesis, Universitas Sebelas Maret.

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    Abstract

    Sartono, S. 320905013, 2008, Law Action in Saving and Solving Non Perfoming Loan by BRI Temanggung Branch in 2002 – 2006. Thesis : Magister Program University of Sebelas Maret Surakarta. This research has aimed to know and analyze the factors causes non performing loan occurs in BRI Temanggung Branch and various kinds of solution credit stuck handled by BRI Temanggung Branch in 2002 – 2006. Type of this research uses empiric / non-doctrinal based on the fifth legal concep in which law is a manifestation of symbolic meaning of social behaviors, which are shown in their interaction. This research uses diagnotic type the data analyzes by qualitative analysis. Based on the tresearch and ciscussion by using law action theory, therefore it concluded that various factors cause non performing loan in BRI Temanggung Branch in 2002 – 2006 consist of : (1) inappropriate of spending credit with the purpose before; (2) customers less capable to manage their business; (3) customer has no good faith; (4) government policy in the real sector. However the action to save and solve these matters done by BRI Temanggung Branch in handling credit stuck / non performing loan as follows : (1) decrease credit rate of interest; (2) decrease remove arreas; (3) decrease main arreas of credit; (4) time lengthening of credit; (5) expropriation assets; (6) sell out illegally guarantee material; (7) receiable what overflows to BUPLN / PUPN; and (8) proposed using throught PN. Implication from the conclusion resulting that the more non performing loan causes decreasing of banking liquadity itself, finally it influences in acceleration credit distribution as government program. Suggestion or recommendation proposed for instance is needed carefulness principle in credit distribution process, avoid calculation error between value of guarantee and value of credit and developing human resources in the banking management, it considering that credit value distribution in the future.

    Item Type: Thesis (Masters)
    Subjects: H Social Sciences > HN Social history and conditions. Social problems. Social reform
    K Law > K Law (General)
    Divisions: Pasca Sarjana > Magister > Ilmu Hukum - S2
    Depositing User: Athiyah
    Date Deposited: 19 Aug 2013 00:00
    Last Modified: 19 Aug 2013 00:00
    URI: https://eprints.uns.ac.id/id/eprint/9934

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