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All Journal Journal of Innovative and Creativity Journal of Management and Business Innovation (JOMBINOV)
Muhammad A. Habibi Mushlih
Universitas Nusa Cendana
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Mathematics Social Sciences Other

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Analysis of Credit Restructuring Implementation As A Strategy For Handling Problem Credits At PT. BPR Christa Jaya Perdana In Kupang City Stevi Lodo; Maria I. Hewe Tiwu; Muhammad A. Habibi Mushlih
Journal of Management and Business Innovation Journal of Management and Business Innovation (JOMBINOV): Volume 02, No 01, March 2026
Publisher : CV. Vocezmi Learnov

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65792/jombinov.v2i01.39

Abstract

This study aims to analyze the implementation of credit restructuring as a strategy for handling non-performing loans at PT. BPR Christa Jaya Perdana, Kupang City, during the 2020–2024 period. This research employs a qualitative descriptive approach, with data collected through in-depth interviews, observation, and documentation involving management and staff directly responsible for credit restructuring. The results indicate that credit restructuring implemented through rescheduling, reconditioning, and restructuring mechanisms is effective in reducing the Non-Performing Loan (NPL) ratio and improving debtors’ repayment capacity, particularly among micro, small, and medium enterprise borrowers. Theoretically, this study reinforces credit risk management theory and agency theory, which emphasize contract adjustment as a key instrument to mitigate default risk and reduce agency conflicts between creditors and debtors. The originality of this study lies in its empirical examination of credit restructuring practices in rural banks as regional financial institutions supporting local economic development. Practically, the findings highlight the importance of strengthening credit analysis, post-restructuring monitoring, and improving debtors’ financial literacy. From a policy perspective, this study provides insights for rural banks and regulators in formulating adaptive and sustainable credit restructuring policies. This study is limited to a single rural bank, thus the findings cannot be broadly generalized.  
Analisis Dampak Kredit Konsumtif Terhadap Pola Konsumsi Rumah Tangga (Studi Kasus Pada Nasabah PNS Bank NTT Kantor Cabang Utama Kupang) Regilinda Kolo; Maria I. Hewe Tiwu; Muhammad A. Habibi Mushlih; Cicilia A. Tungga
Journal of Innovative and Creativity (Joecy) Vol. 6 No. 2 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

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Abstract

Consumptive credit is a strategic financial instrument that enables households to meet needs requiring large funds without waiting for full savings accumulation. This study analyzes the impact of consumptive credit on household consumption patterns among Civil Servant (PNS) customers of Bank NTT Main Branch Office Kupang. This study employed a qualitative approach with a descriptive case study design, involving 11 informants selected through purposive sampling, consisting of 10 key informants (PNS customers using consumptive credit) and 1 supporting informant (Credit Supervisor). Data were collected through observation, in-depth interviews, and documentation, then analyzed using the Miles and Huberman interactive model assisted by NVivo 12 software with a word frequency query feature, and validated through source, technique, and time triangulation. The results show that consumptive credit is utilized for housing, education, health, land investment, and productive business development, driven by simple procedures and an automatic salary deduction system. Before receiving credit, household consumption was income-based, prioritizing basic needs and deferring large purchases. After receiving credit, households gained greater financial flexibility but also faced increased routine expenditures from monthly installments and asset ownership costs. The impact is dualistic: consumptive credit accelerates need fulfillment and improves quality of life, yet simultaneously reduces disposable income, weakens saving capacity, and increases household financial vulnerability.
Co-Authors Cicilia A. Tungga Maria Indriyani Hewe Tiwu Regilinda Kolo Stevi Lodo