Pengelolaan Piutang Dalam Penyelesaian Kredit Macet Pada Perumda BPR Bank Kota Bogor
DOI:
https://doi.org/10.37641/jabkes.v4i3.1934Keywords:
Pengelolaan Piutang, Faktor Penyebab Kredit Macet, Penyelesaian Kredit MacetAbstract
Implementation of Receivable Management
_______453
Submitted
FEBRUARY 2024
Accepted
OCTOBER 2024
JABKES
Jurnal Aplikasi Bisnis Kesatuan
Vol. 4 No. 3, 2024
page. 453-464
IBI Kesatuan
ISSN 2807 – 6036
DOI: 10.37641/jabkes.v4i3.1934
Accounts receivable management is crucial for companies, especially those selling products on credit. Effective management of receivables ensures that credit returns are handled efficiently, leading to increased company revenue. In this final project, it is noted that receivables management at Perumda BPR Bank Kota Bogor is carried out both manually and through a system. Despite this, problematic and non-performing loans still occur. These problematic and non-performing loans arise due to internal factors within the bank, such as errors in credit analysis and inadequate data verification. Additionally, external factors from the debtors include a decrease in the debtor's payment ability, business losses, reassignment or termination of the debtor, and the misuse of credit by the debtor for purposes other than intended. The resolution of problematic and non-performing loans has been addressed through rescheduling, reconditioning, restructuring, collateral takeovers, and write-offs. Perumda BPR Bank Kota Bogor also undertakes measures to minimize the occurrence of problematic and non-performing loans in the future by conducting detailed and accurate credit analysis, regular monitoring, and maintaining good relationships with debtors.
Keywords: Receivables Management, Causes of Non-Performing Loans, Resolution of Non-Performing Loans
