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All Journal Al Fiddhoh: Journal of Banking, Insurance, and Finance
Sabardin Sabardin
Universitas Islam Negeri Sunan Kalijaga DI Yogyakarta
Economics, Econometrics & Finance Social Sciences

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APPLICATION OF 5C PRINCIPLES TO MINIMIZE BAD CREDITS AT PT. BANK PENGKREDITAN RAKYAT PEMBANGUNAN KERINCI Sabardin Sabardin; Romi Hidayat
Al Fiddhoh: Journal of Banking, Insurance, and Finance Vol. 6 No. 1 (2025): Al Fiddhoh: Journal of Banking, Insurance, and Finance
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/fdh.v6i1.4806

Abstract

This study discusses strategies for resolving bad debts guaranteed by mortgage rights at PT. Kerinci Development People's Credit Bank. One method is to make efforts to save credit through a repayment plan (rescheduling) based on Bank Indonesia Circular Letter No.26/4/BPPP dated 29 May 1993. The bank also provides verbal and written warnings to debtors before taking further action. In addition, credit settlement is carried out using a family approach (non-litigation) through a mutual agreement to sell collateral, in accordance with applicable legal provisions
Co-Authors Romi Hidayat