<![CDATA[The study entitled "Effectiveness of Troubled Credit Settlement at Bank Jatim with Sales of Collateral Under the Hand" aims to determine the effectiveness of the settlement of problem loans at Bank Jatim by selling collateral under the hand and to find out and analyze the supporting and inhibiting factors. The main issues to be investigated are, how is the effectiveness of the settlement of problem loans at Bank Jatim with the sale of collateral under the hand ?, and what are the supporting and inhibiting factors in the effectiveness of the settlement of problem loans at Bank Jatim with the sale of collateral under the hand ?. The research method used in this research is the Sociological Juridical method with interview, observation and literature study data collection techniques with explorative qualitative descriptive analysis methods. This research results, that the effectiveness of self-selling by the debtor as a way to pay off problem loans is very helpful to the banking sector. Because besides being cost effective it is also effective in time and helps maintain the reputation of banks in this case Bank Jatim. And the factors that accelerate or hinder the execution of the sale of collateral itself by the debtor are the good or bad intentions of the debtorhimself]]>
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