PENYELESAIAN KREDIT BERMASALAH PADA KREDIT UMUM PEDESAAN (KUPEDES) DAN KREDIT USAHA RAKYAT (KUR) DI BRI UNIT KERKAP ARGAMAKMUR

Santoso, Riyatno and Edityawarmn, Edityawarmn and Ganefi, Ganefi (2013) PENYELESAIAN KREDIT BERMASALAH PADA KREDIT UMUM PEDESAAN (KUPEDES) DAN KREDIT USAHA RAKYAT (KUR) DI BRI UNIT KERKAP ARGAMAKMUR. Undergraduated thesis, Fakultas Hukum, UNIB.

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Abstract

In particular, this research review of problem loans experienced Argamakmur Kerkap BRI. BRI Units issued Kerkap Argamakmur General Rural Credit program and People's Business Credit to meet the additional needs of the venture capital businesses. In the implementation process credit BRI Kerkap Argamakmur not running smoothly still having some problems for example in the implementation of the loan repayment is not timely, and bad debts. This study aims to find out what are the factors that cause a credit crunch, and a way of resolving the non-performing loans, especially in the General Rural Credit and People's Business Credit. The population is about 28% of the existing borrowers in 1581 BRI Kerkap Argamakmur. After passing through purposive sampling phase contained 20 samples borrowers who have bad credit and data collection was done by interview(interview). The method used is a sociological study (socio-legal research) using primary data and secondary data, while the nature of this research is descriptive, description of research seeks to provide a systematic and thorough with actual facts to the nature of certain populations. The results showed that the causes of the credit crunch caused by the debtor itself and the factors of the bank. Factor derived from the average debtor because the debtor errors and omissions and factors of the bank due to inaccurate and experience of the bank. In the resolution of problem loans made by BRI Kerkap Argamakmur based BI Circular Letter No. 26/4/BPPP, date May 29, 1993 so that the process of resolving these problem loans do not involve a third party such as the State Receivables Affairs Committee, the Bureau of Receivables and State Auction, and resolved by the Courts but the bank itself.

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