Analisis Permasalahan Kredit Macet
DOI:
10.29303/alexandria.v3i1.174Published:
2022-04-30Issue:
Vol. 3 No. 1 (2022): AprilKeywords:
Analysis, Credit, CustomerArticles
Downloads
How to Cite
Metrics
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
References
Agustin, L. A., & Wiranatakusuma, D. B. (2017). Analisis Stress test pada Perbankan Syariah di Indonesia. Journal of Economics Research and Social Sciences, 1(2), 78-89.
Damayanti, R. (2015). Analisis Kredit Guna Penanggulangan Kredit Bermasalah pada PT PNM UlaMM Unit Nglegok Kabupaten Blitar. Riset Mahasiswa Ekonomi (RITMIK), 2(2).
Fauzi, A. (2018). Kredit Macet, NPL dan Pengaruhnya terhadap Kinerja Perusahaan pada Perusahaan Pembiayaan. Jumabis: Jurnal Manajemen dan Bisnis, 2(1).
Jahja, A. S. (2012). Analisis Perbandingan kinerja keuangan perbankan Syariah dengan perbankan Konvensional. Epistemé: Jurnal Pengembangan Ilmu Keislaman, 7(2), 337-360.
Regar, R., Areros, W. A., & Rogahang, J. J. (2016). Analisis Pemberian Kredit Mikro Terhadap Peningkatan Nasabah Studi Pada PT. Bank Sulutgo Cabang Manado. Jurnal Administrasi Bisnis (JAB), 4(4).
Sari, L. M., Musfiroh, L., & Ambarwati, A. (2020). Restrukturisasi Kredit Bank Daerah X Pada Masa Pademi Covid-19. Jurnal Akuntansi dan Manajemen Mutiara Madani, 8(1), 46-57.
Author Biography
Mustapa Kamal Rokan, Universitas Islam Negeri Sumatera Utara
License
Copyright (c) 2022 Khofifah Indah Pohan, Mustapa Kamal Rokan
This work is licensed under a Creative Commons Attribution 4.0 International License.
Authors who publish with ALEXANDRIA (Journal of Economics, Business, Tourism, and Entrepreneurship), agree to the following terms:
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution 4.0 International License. This license allows authors to use all articles, data sets, graphics and appendices in data mining applications, search engines, web sites, blogs, and other platforms by providing an appropriate reference. The journal allows the author(s) to hold the copyright without restrictions and will retain publishing rights without restrictions.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in ALEXANDRIA (Journal of Economics, Tourism, Hospitality, and Entrepreneurship).
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work (See The Effect of Open Access).
