ANALISIS KREDIT MACET PADA PT. BRI UNIT GATOT SUBROTO MALANG

Abstract

The purpose of this study is to analyze the factors that cause the occurrence of non-performing loans at PT. BRI Unit Gatoto Subroto Malang and provide solutions. The type of research used is descriptive research with a case
study approach. The data analysis method used in this research is descriptive analysis.
Based on the results of data analysis that has been carried out, it can be concluded that the cause of the emergence of non-performing loans at PT. BRI Unit Gatoto Subroto Malang, among others: a) Lending division, lending in a bank is at risk of causing non-performing loans when the employee serving as the Account Officer (AO) makes mistakes in debtor analysis, especially in customer financial
analysis. b) Administration Division, administration can also cause non-performing loans if the division carries out credit realization that is not in accordance with existing regulations, for example the debtor's credit file is incomplete, but has been realized by the credit administration section. c) Billing Section, billing is also at risk of making non-performing loans unresolved, if the billing section is less responsive to problematic debtors. For example, because debtors are difficult to find, the billing department no longer collects, so the problem loans are not immediately resolved.