Peranan Analisis Manajemen Kredit untuk Menurunkan Terjadinya Kredit Bermasalah (Studi Kasus Pada Bank Tabungan Pensiun Nasional (BTPN) Kantor Cabang Bengkulu)
Abstract
This research aims to discover, analyze and examine (1) the credit management performed on a SHORT BTPN Bengkulu Branch in an effort to minimize bad debt on SHORT BTPN Bengkulu Branch, (2) factors that lead to problematic, (3 credits Handling of problematic credits on) SHORT BTPN Bengkulu Branch. This includes research into research survey, in this case the researchers work directly contributes to obtain data by conducting interviews with employees of credit and part of the elements of the leadership SHORT BTPN Branch Bengkulu and selected clients. Based on the data type of this research include kulitatif research, with the aim to find out until sejauhmana menajemen credit applied can minimize bad debt on SHORT BTPN Bengkulu Branch. Model analysis in this study uses descriptive method to create a picture in a systematic and factual and accurate regarding the facts in accordance with the phenomena that happen.The results of this research indicate that: (1) SHORT BTPN Bengkulu Branch credit management has run the gamut from planning, organizing, implementing and monitoring, (2)
the factors that caused the bad debt is caused by the client that is going on family issues, the failure of the effort and things that are not estimated (post majeur situations), (3). The handling of bad debt carried by Rescheduling, Restructuring, Reconditioning, and surrender the collateral to banks SHORT BTPN KC Bengkulu
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