PENYELESAIAN KREDIT MACET (NON PERFORMING LOAN) AKIBAT WANPRESTASI DALAM PERJANJIAN KREDIT PEMILIKAN RUMAH (KPR) SUBSIDI

Penyelesaian Kredit Macet dalam perjanjian KPR Subsidi

Abstract

Bad Credit is a problematic or non-current payment by the debtor concerned, where the customer is unable to complete part or all of the obligations that should be paid to the Bank according to the agreement. The main problem in this research is the Settlement Pattern of Non-Performing Loans Due to Default in Subsidized Home Ownership Credit (KPR) Agreements in Cases at Bank Tabungan Negara, KC. Cilegon and Default Factors, Obstacles and Solutions for Mortgage Settlement in Cases at Bank Tabungan Negara, KC. Cilegon. This research is empirical juridical research which is descriptive analysis. Data sources include primary data, secondary data and tertiary data which are analyzed qualitatively. The research results show that non-litigation settlement of bad credit is carried out using restructuring. Restructuring is an improvement effort carried out by the bank in credit activities for debtors who have difficulty fulfilling their obligations and the factors resulting from default are internal factors on the part of the bank/bank creditors. Carry out effective guidance and monitoring of credit, and external factors, Debtors are not punctual in paying installments according to the due date which causes problems with default.