Handling Non-Performing Loans
Case Studies on Pt. BPR Supra Artapersada Cibeber Branch
DOI:
https://doi.org/10.54099/aijms.v2i2.659Keywords:
BPR, Non-performing Loans, Handling Non-Performing LoansAbstract
People's Credit Bank is a banking institution that prioritizes lending services to the public. The distribution will be accompanied by credit risk, namely the emergence of non-performing loans. This study aims to determine the handling of non-performing loans at PT. BPR Supra Cibeber Branch. The research method used is to use qualitative methods by conducting observation techniques, in-depth interviews, and documentation. The results of the study showed an increase in NPL in 2022 by 1.37%, while the distribution of working capital decreased by 6.05%. In terms of handling non-performing loans PT. BPR Supra Artapersada Cibeber Branch implements several efforts, namely by conducting intensive visits to debtors, providing warning letters 1-3, making 3R efforts (Rescheduling, Reconditioning, Restructuring), taking over collateral, and writing off books for debtors.
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