Implementasi Standar Operasional Prosedur (SOP) Proses Penanganan Kredit Macet Pada PT Bank Pembangunan Daerah Jawa Timur Tbk Kantor Cabang Utama Surabaya
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Institusion
Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya
Author
Ulfa, Gustia Anggun
Subject
658 - GENERAL MANAGEMENT
Datestamp
2023-11-14 07:30:24
Abstract :
This study aims to identify the triggering factors for the emergence of bad loans or non-performing loans (NPL), as well as to analyze the way of handling bad loans at Bank Jatim Surabaya Main Branch Office. The research method used is a qualitative descriptive method, which involves the process of handling data from the results of observations and interviews in a systematic manner. Bad loans at Bank Jatim Surabaya Main Branch Office are caused by bank and debtor internal factors, such as the lack of vigilance and caution by officers in analyzing debtors. The results of the study show that the handling of bad loans is carried out through the application of credit terms which regulate part of arrears in installments with conditions determined by the Bank.
This study aims to identify the triggering factors for the emergence of bad loans or non-performing loans (NPL), as well as to analyze the way of handling bad loans at Bank Jatim Surabaya Main Branch Office. The research method used is a qualitative descriptive method, which involves the process of handling data from the results of observations and interviews in a systematic manner. Bad loans at Bank Jatim Surabaya Main Branch Office are caused by bank and debtor internal factors, such as the lack of vigilance and caution by officers in analyzing debtors. The results of the study show that the handling of bad loans is carried out through the application of credit terms which regulate part of arrears in installments with conditions determined by the Bank.
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