HANDLING OF NON-PERFORMING LOANS AT PT. BPR NUSAMBA RAMBIPUJI JEMBER

Abstract

This study aims to identify various factors that trigger the occurrence of bad loans. As well as the strategy to overcome it at PT. BPR Nusamba Rambipuji Jember. In this study the method used is qualitative with a descriptive approach. The results of the study revealed that the causes of bad loans are two factors that need to be considered: internal and external. Internal factors refer to the debtor's inability to make payments, which is caused by insufficient or unstable income, the amount of loans submitted is too large, the use of funds is not on target, and financial problems faced in the family. On the other hand, external factors include unstable economic conditions, natural disasters, and the impact of the pandemic. To overcome the problem of bad loans, PT. BPR Nusamba Rambipuji Jember has taken several steps, including taking a persuasive approach, restructuring credit, and implementing.

Keywords: Bad loans, Factors, Handling