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PRAKTEK MANAJEMEN PERKREDITAN DALAM PENANGANAN KREDIT BERMASALAH (NON PERFORMING LOANS) UNTUK KPR

SANGADAH, DHUROTUS (2012) PRAKTEK MANAJEMEN PERKREDITAN DALAM PENANGANAN KREDIT BERMASALAH (NON PERFORMING LOANS) UNTUK KPR. Other thesis, University of Muhammadiyah Malang.

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Abstract

This final project is the finding of research in PT. Bank Tabungan Negara (Persero), branch in Malang, with the title The Practice of Management Credit in Managing Non Performing Loans for KPR. This research aims to find out the practice of Management Credit in Managing Non Performing Loans for KPR and the increase of NPL percentage during 2007-2010. The method used in this research is descriptive quantitative and the research instrument used in this research is NPL ratio, that is ratio/comparison between total of non performing loans (less circulated credit, questionable credit, and stagnant credit) with the total of channel credit which based on the standard determined by Indonesian Bank is ≥ 5 %. Whereas, the research method of managing non performing loans used documentation and interview with the loans account officer. From the result of accounting by using NPL ratio analysis, the increase of percentage of NPL in 2007 was 2.37% and it was become lower in 2008, the percentage was 1,99%, while in 2009 the percentage of nonperforming loans was 1,34% and increasing became 0,28%, those the percentage of non performing loans in 2010 was 1,62%. Therefore, the researcher concludes that the percentage of NPL ratio does not pass over the standard which determined by Indonesian Bank. From the finding of research can be obtained that managing of non performing loans can be done by three ways, those are: non performing loans development, redemption, and arrangement. The development of non performing loans is done by observing installment payment and developing the debitor directly, the redemption of non performing loans is done by rescheduling, reconditioning, restructuring. While the arrangement of nonperforming loans is done by two ways, these are through voluntary and law way.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HG Finance
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Fitriana Kasiani
Date Deposited: 28 Sep 2015 04:02
Last Modified: 28 Sep 2015 04:02
URI : http://eprints.umm.ac.id/id/eprint/18530

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