Art Original

Pelaksanaan Penyelesaian Kredit Macet dalam Perjanjian Kredit Pemilikan Rumah di PT. Bank Mandiri Tbk. Cabang Pekanbaru

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Home Ownership Credit is a credit provided by banks to customers, so that they be able to buy a house or for other needs with collateral in the form of a house. In practice, the circulation of money through credit is not always smooth and can be called a bad credit. In essence, people who borrow from banks are economically weak, and it is possible that sometime a disaster or something unexpected occurs that causes them to be unable to pay back their debt to the bank. Meanwhile, in the dispute resolution process, credit does not clearly explain how to resolve disputes. The problem in this research is how to implement the settlement of bad credit in the home ownership credit agreement at Mandiri Bank of Pekanbaru Branch and what are the obstacles in resolving bad credit in the home ownership credit agreement at Mandiri Bank of Pekanbaru Branch. The type of legal research used is observation or survey writing. Meanwhile, the nature of this research is descriptive research, namely to provide data that is as thorough as possible about the following things, such as people, conditions or other symptoms. Resolving Bad Credit for Home Ownership Credit at Mandiri Bank of Pekanbaru City is through 4 (four) stages, first the peaceful resolution stage, second the coaching stage, third the credit rescue stage Credit rescue is carried out by means of rescheduling (rescheduling), reconditioning and restructuring, each of which is carried out within a period of 12 (twelve) months. The fourth stage is the execution of the credit guarantee object, but the resolution of bad credit does not always run smoothly and there are several obstacles encountered by the Inhibiting Factors for Settlement of Bad Credit for Home Ownership Credit at Mandiri Bank of Pekanbaru City which are faced by the bank and customers in resolving the first problem credit The debtor has bad intentions, secondly the debtor is experiencing economic problems, where the debtor cannot manage his business so he experiences failure which makes it difficult for the debtor to fulfill its obligations to resolve its credit problems with the bank, the third is the Covid-19 pandemic.

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Detail Information

Call Number

Hukum 332.7 Adj p

Language

Indonesia

NPM

191010241

Publisher

Ilmu Hukum : Universitas Islam Riau., 2024

Keyword(s)

Settlement
Credit
Loss

Other Information

Petugas

Uthi Kurnia

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