Analisis Kredit Macet pada PT. Bank Tabungan Negara (PERSERO) tbk. Cabang solo

Oleh :
Rini Fitriyanti - F3308168 - Fak. Ekonomi dan Bisnis

ABSTRACT ANALYSIS OF RESTRUCTION CREDIT IN BANK TABUNGAN NEGARA (PERSERO) BRANCH OF SOLO RINI FITRIYANTI F3308168 Restruction credit is one ofcollectability in problem’scredit, credit can be category of restruction if there are back payment and debt interest more than 270 days from date of maturity. The aims of the research are to know the development of Bank Tabungan Negara (Persero) branch of Solo if have seen from restructionkredit at BTN, and whether causal factor of restruction credit as well as way of handle of restruction credit. The analysis use direct sampling or observation, and face to face dialog with employee. Research can be used as consideration substance to evaluation handle restruction credit in Bank Tabungan Negara (Persero) branch of Solo. Based on the analysis restruction credit in Bank Tabungan Negara (Persero) branch of Solo founds strength and weakness. These advantages include : the development of BTN is good that is can be seen from more and more amount of realization of credit KPR-Non KPR and general credit and amount of non performing loan (NPL) under maximal limit BI is 5%.There are also some weakness that is amount percentase of restruction credit more and more from year of year during 2008-2010, and development of credit very weak with the result that amount of restruction credit and NPL more and more from year of year. Based on result research, it can be concluded that the analysis restruction credit in Bank Tabungan Negara (Persero) branch of Solo, the author give some suggestion to be consideration for Bank Tabungan Negara (Persero) branch of Solo such as development of credit must be done with effective and debitor with collectability of DPK (consider) must be given development of credit too because debitor with collectability of DPK can be debitor with collectability of problem and always monitoring of back payment and interest debitor.