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PENYELESAIAN KREDIT MACET KEPEMILIKAN RUMAH PADA PT. BANK TABUNGAN NEGARA TBK. KANTOR CABANG ADE IRMA MALANG

Arum, Utari Putri Puspa (2015) PENYELESAIAN KREDIT MACET KEPEMILIKAN RUMAH PADA PT. BANK TABUNGAN NEGARA TBK. KANTOR CABANG ADE IRMA MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

The research purpose is finding out efforts done in solving bad credit by finding solution for such problem. Data collection technique done in this Final Assignments are qualitative descriptive and quantitative descriptive. In qualitative descriptive explaining about PT. Bank Tabungan Negara mechanism to excess and deficiency to auction result. While in descriptive quantitative explaining about collectibility table, bad credit table and bad credit graphs. Data collected are primary data collected directly from AMD (Asset Managemen Division) and CCRD (Customer Collection and Remidial Division) departments. Research explains Debtor development party isn't able to save the credit. Case shows that debtor has no good intention to fulfill their duty. In this case, troubled debtor development division, CCRD (Customer Collection and Remidial Division) gives the task to AMD (Asset Managemen Division) department by doing auction to mortgage object as approved in the beginning of credit agreement. Auction requirements should be completed by filling files which would be held in Kantor Pelayanan Negara dan Lelang [Public Service and Auction Office] (KPKNL). Auction excess would be returned to the collateral owner and their heirs. Meanwhile, if there's a deficiency, debtor has responsibility to pay more. Research concludes that auction is done to reduce Net Perfoning Loan and aimed to improve the financial health of Bank Tabungan Negara.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HC Economic History and Conditions
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Denyta Saputri
Date Deposited: 22 Mar 2016 03:21
Last Modified: 22 Mar 2016 03:21
URI : http://eprints.umm.ac.id/id/eprint/21233

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