The author's interest in settling bad loans to debtors that include guarantees for private employee decrees (SK) at PT Bank Perkreditan Rakyat Unisritama is because guarantees for employee decrees (SK) are not objects that can be traded or transferred, as well as a clause in the credit agreement between PT Bank Percreditan Rakyat Unisritama with the debtor stating "if the debtor cannot repay th…