Rescheduling, Reconditioning, and Restructuring Action Analysis of Credit Safety

Abstract

Abstract. To improve the economic growth of the community as a whole, the Bank not
only provides additional business capital in the morning of entrepreneurs whose businesses
are already classified into large businesses, but the Bank also provides funds to lend to
customers / borrowers belonging to the micro / micro business sector. Which is related to
this research, the credit listed is micro credit. On the other hand the provision of credit
facilities is often experiencing problems, thus causing harm to the Bank. The conditions
under which the loans have been disbursed to the public are not repaid by the debtor at the
right time in accordance with the previous agreement is classified into Non Performing
Loan (NPL) or bad credit / bad credit, for the safety of credit and to maintain the health of
the Bank it must be done credit rescue . Rescue credit can be done by performing action
Rescheduling, Reconditioning, and Restructuring to customers whose credit is included
into the class of problem loans.
The purpose of this research is as follows: 1) To know the action Rescheduling to safety of
credit. 2) To know Reconditioning action on credit safety. 3) To know the act of
Restructuring to the safety of credit. 4) To know the action, Reconditioning, and
Restructuring collectively to the credit safety.
The research method used in this research is Descriptive Qualitative Analysis Research
Method. The use of this qualitative research method helps the researcher to collect various
information, collect data, analyze and explain clearly about the situation in the field related
to Rescheduling, Reconditioning and Restructuring on Credit Safety. Data analysis in this
research is done by data collection, data reduction, data presentation as well as verification
or withdrawal conclusion by using Triangulation Source checking technique in validity of
data.
The results showed: 1) Action Rescheduling can save problem loans at PT. Bank Mandiri
(Persero) Tbk. The action taken is to provide relief in the form of extension of credit term.
2) Reconditioning action can save problem loans at PT. Bank Mandiri (Persero) Tbk. The
action taken is to provide a reduction in lending rates. 3) Restructuring actions can save
credit at PT. Bank Mandiri (Persero) Tbk. The action taken is to provide relief in the form
of additional credit.

Keywords: Rescheduling, Reconditioning, Restructuring and Credit Safety.