Bad Debt Ratio and Non-Performing Loan Analysis On BUKOPIN Consumer Credit Division In Jakarta

Abstract

This study will conduct an analysis related to bad loans experienced by PT. Bank Bukopin, Jakarta's consumer credit division. Know the factors that influence the customers of the payment of credit obligations and to know Bank Bukopin's efforts in cracking down on customers in the payment process. The method used in this research is the descriptive qualitative method. The results showed that two factors were causing Bad Debt Ratio and Non-Performing Loans. Another thing is how Bank Bukopin handles problem loans both through litigation and non-litigation.