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Penyelesaian Kredit Macet Terhadap Perjanjian Kredit Pemilikan Rumah (Kpr) Di Pt. Bank Tabungan Negara Cabang Pekanbaru Pada Masa Covid-19

ABSTRACT
Home ownership loan (KPR) is one of the most popular banking
products by the public. As one way to own a house, mortgages provide many
advantages for customers, such as ease in paying installments and the ability to
own a house quickly. However, on the other hand, mortgages also have a fairly
high risk of noan performing loan. Mortgage noan performing loan is a problem
that is often faced by banking companies in Indonesia. This is caused by various
factors, one of the main factors is during the Covid-19 pandemic which causes
various things such as unilateral layoffs, business failures, and not carrying out
credit procedures to the fullest due to lack of human resources. PT. Bank
Tabungan Negara Pekanbaru Branch is one of the banks that also experienced
the problem of mortgage bad loans. The purpose of this study was to determine
the factors that cause noan performing loan mortgages in PT.Bank Tabungan
Negara Pekanbaru Branch and how effective settlement of mortgage bad loans.
This type of research is sociological, where data obtained through
interviews with the PT. Bank Tabungan Negara Pekanbaru Branch and customers
who experience noan performing loan at Griya Sakti housing. The housing is
domiciled by KPR Bank BTN customers since 2014. The researchers took a
sample of 8 customers to find out the factors that cause and how the settlement of
noan performing loan experienced by these customers during the Covid-19
pandemic.
The results showed that the factors causing noan performing loan
mortgages in PT.Bank Tabungan Negara Pekanbaru branch, among others, are
external factors on the part of customers, namely business failures, debtors or
debtor spouses who experience layoffs, which has increased dramatically during
Covid-19. in addition, internal factors from the State Savings Bank, in the form of
not maximizing supervision procedures during the Covid-19 pandemic, which
caused Griya Sakti housing mortgage customers to potentially experience noan
performing loan. The settlement made by the Bank always prioritizes credit rescue
first, where the bank will provide relief to customers to restructure with several
previous considerations. The rescue must also be at an early stage and not yet at
the time the customer's status is declared noan performing loan,later the customer
who restructures will have a current credit status after carrying out several
requirements set by the bank. in the case during the Covid-19 pandemic, it is
known as the grace period where customers can be exempted from installment
payments with certain customer criteria and the maximum exemption is 12
months.
Keywords: Noan Performing Loan - Agreement - Dispute Resolution

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Informasi Detail
Judul Seri
-
No. Panggil
1909113349
Penerbit
Pekanbaru : Universitas Riau – Fakultas Hukum – Hukum PERDATA bisnis.,
Deskripsi Fisik
-
Bahasa
Indonesia
ISBN/ISSN
-
Klasifikasi
1909113349
Tipe Isi
-
Tipe Media
-
Tipe Pembawa
-
Edisi
-
Subjek
HUKUM PERDATA BISNIS
Info Detail Spesifik
-
Pernyataan Tanggungjawab
Versi lain/terkait

Tidak tersedia versi lain

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