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All Journal ALEXANDRIA: Journal of Economics, Business, and Entrepreneurship
Khofifah Indah Pohan
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Humanities Economics, Econometrics & Finance Education Social Sciences

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Analisis Permasalahan Kredit Macet Khofifah Indah Pohan; Mustapa Kamal Rokan
ALEXANDRIA (Journal of Economics, Business, & Entrepreneurship) Vol. 3 No. 1 (2022): April
Publisher : Postgraduate, University of Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/alexandria.v3i1.174

Abstract

This research aims to find out what factors are the cause of bad credit problems and how the bank sumut Syariah branch office medan in handling non-performing loans. The type of research conducted is qualitative research using descriptive methods. The results of the research findings show that the causes of bad credit problems are: (1) Weaknesses from the internal debtor side can be caused by bad faith from the debtor, and the decline of the debtor's business resulted in a decrease in the debtor's ability to pay installments; (2) Weaknesses from the internal side of banks/financial institutions can be caused by bad faith from bank officers/financial institutions for personal interests, such as bank employees/financial institutions repaid debtors' credits that reward the disbursement of the credit. In the case of bad loans, the bank needs to make a rescue, so that it will not cause losses. Rescues that are carried out can be by providing relief in the form of a period of return, especially for credits that have experienced disasters
Co-Authors Mustapa Kamal Rokan