Penyelesaian Kredit Bermasalah Pada PT. Bank Pembangunan Daerah Sumatera Barat

Abstract

The purpose of this study was to determine the settlement of non-performing loans at PT. Bank Pembangunan Daerah Sumatera Barat. The data analysis method uses qualitative data. The results of the study prove that efforts to resolve non-performing loans are adjusted to the level of credit problems categorized as substandard loans given the first warning letter (SP I), doubtful credits are given warning letter II (SPII), bad loans are given the last warning letter, namely (SP III). which is useful to find out how much the debtor's good intentions are in paying off his debts. The non-performing loan settlement technique takes a settlement technique by rescheduling, which is an effort to save credit by extending the repayment period or changing the amount of installments in each period.