<![CDATA[Tujuan dari penelitian ini adalah untuk mengetahui penerapan restrukturisasi kredit dalam upaya penyelamatan non performing loandi PT BPR Nusamba Tegallalang. Penelitian ini merupakan penelitian deskriptif kulitatif. Sumber data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data dalam penelitian ini adalah melalui observasi, wawancara dan dokumentasi. Teknik analisis data dalam penelitian ini dilakukan melalui pengumpulan data, reduksi data, display data, dan verifikasi dan kesimpulan. Hasil penelitian ini menunjukkan bahwa penerapan restrukturisasi kredit yang dilakukan PT BPR Nusamba Tegallalang melalui tahap-tahap yaitu penelitian berkas kredit, mengirim surat teguran, melakukan negosiasi, putusan restrukturisasi, dokumentasi restrukturisasi dan monitoring. Adapun pola atau tindakan restrukturisasi yang dilakukan kepada debitur antara lainperpanjangan jangka waktu kredit, pengurangan tunggakan bunga/denda, dan penambahan fasilitas kredit.Kata Kunci : Restrukturisasi, Kredit, Non Performing Loan. The purpose of this research was to know the implementation of credit restructuring in order to save non performing loan at PT ‘Incorporated’ BPR Nusamba Tegallalang. This research was a descriptive qualitative research. The sources of data used were primary data and secondary data. The data collection techniques used in this study were through observation, interviews, and documentation techniques. The data analysis technique in this research was conducted through data collection, data reduction, data display, and verification and conclusion. The results of this study indicated that the implementation of credit restructuring conducted by PT BPR Nusamba Tegallalang was through the stages of investigating credit files, sending warning letter, negotiating, making restructuring decisions, restructuring documentation and monitoring. The pattern or restructuring actions performed to the debtors included extentions of time period, redution of interest arrears/fines, and additional credit facilitieskeyword : Restructuring, Credit, Non Performing Loan.]]>
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