Juridical Review Of The Settlement Of Bad Credit Of PT. BNI (Persero) Tbk. Regional Office 01 Medan In Relation To The Practice Of PUPN North Sumatra Branch (research On KP2LN Medan)

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Juridical Review of Settlement of Bad Credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in Relation to the Practice of PUPN North Sumatra Branch (Research on KP2LN Medan)

Introduction

The handling of state revenue receivables (PUPN) is a crucial aspect of the financial management of state-owned enterprises (BUMN) in Indonesia. PT. BNI (Persero) Tbk. Regional Office 01 Medan, as a state-owned bank, plays a significant role in managing PUPN in the region. However, the settlement of bad credit remains a challenge for the bank. This study aims to conduct a juridical review of the settlement of bad credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in relation to the practice of PUPN North Sumatra Branch, with a focus on the research on KP2LN Medan.

Background

According to Law Number 49 of 1960, Article 8 and Article 12, the handling of state revenue receivables (PUPN) is the authority of the State-Owned Enterprises (BUMN), including PT. BNI (Persero) Tbk. Regional Office 01 Medan. The bank's primary responsibility is to collect debts from debtors and manage PUPN in an efficient and effective manner. However, the settlement of bad credit remains a significant challenge for the bank.

Methodology

This study was conducted at KP2LN Medan using the normative juridical method, by utilizing secondary data and document studies and interviews with specified respondents. Data were analyzed qualitatively, so as to produce descriptive data.

Results

The results showed that PT. BNI (Persero) Tbk. Regional Office 01 Medan, before submitting bad credit to PUPN North Sumatra Branch, made internal efforts to collect debtors. If internal efforts do not produce optimal results, the credit is declared traffic jam and then submitted to the North Sumatra Branch PUPN and Medan KP2LN.

Challenges in Solving Bad Credit

In the process of completing bad credit, PT. BNI (Persero) Tbk. Regional Office 01 Medan faces a number of challenges, such as:

  • Debtor's reluctance: Debtors are often uncooperative, have bad characters, or cover their assets to avoid repayment.
  • Weak debtor management: Debtors who have weak management, so they are unable to pay off their obligations.
  • Inappropriate credit approval: The process of granting credit is inaccurate, credit analysis is not objective, and less selective in choosing the debtor.
  • No Liquid Guarantee: The guarantee given by the debtor cannot be sold easily in the market.
  • Implementation of Guarantee Documents: Guarantee documents that are incomplete and do not meet the requirements.

Efforts Made by PT. BNI (Persero) Tbk. Regional Office 01 Medan

PT. BNI (Persero) Tbk. Regional Office 01 Medan has made a number of efforts to overcome bad loans, such as:

  • Internal efforts: Make internal billing efforts, but often not optimal.
  • Submission to PUPN and KP2LN: Submit bad credit to PUPN and KP2LN to get further treatment.

Recommendation

To increase the effectiveness of the settlement of bad credit, some recommendations can be considered:

  • Selective in providing credit: The bank must be selective in providing credit, by conducting an objective and comprehensive credit analysis, and paying attention to the quality of guarantees.
  • Increasing supervision: Banks must increase supervision of debtors, by monitoring regularly and proactively in detecting potential problems.
  • Improving Staff Skills: The bank needs to improve staff skills in handling bad loans, including billing strategies, negotiations, and dispute resolution.
  • Cooperation with PUPN and KP2LN: Bank needs to increase cooperation with PUPN and KP2LN, to facilitate the process of handling bad credit and increasing the effectiveness of completion.

Conclusion

The settlement of bad credit remains a significant challenge for PT. BNI (Persero) Tbk. Regional Office 01 Medan. However, by implementing the recommendations outlined in this study, it is expected that the bank can be more effective in handling bad loans and minimizing losses caused.

Limitation

This study has several limitations, including:

  • Limited scope: The study only focuses on the settlement of bad credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in relation to the practice of PUPN North Sumatra Branch.
  • Limited data: The study relies on secondary data and document studies, which may not be comprehensive or up-to-date.

Future Research

Future research can build on this study by:

  • Conducting a more comprehensive study: Conducting a more comprehensive study that includes other state-owned banks and financial institutions.
  • Using more advanced research methods: Using more advanced research methods, such as statistical analysis and machine learning, to analyze the data.
  • Focusing on specific aspects: Focusing on specific aspects of the settlement of bad credit, such as the impact of internal efforts on the effectiveness of bad credit settlement.

References

  • Law Number 49 of 1960, Article 8 and Article 12.
  • PT. BNI (Persero) Tbk. Regional Office 01 Medan. (2020). Annual Report.
  • PUPN North Sumatra Branch. (2020). Annual Report.
  • KP2LN Medan. (2020). Annual Report.

Note: The references provided are fictional and for demonstration purposes only.
Q&A: Juridical Review of Settlement of Bad Credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in Relation to the Practice of PUPN North Sumatra Branch (Research on KP2LN Medan)

Frequently Asked Questions

Q: What is the purpose of this study? A: The purpose of this study is to conduct a juridical review of the settlement of bad credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in relation to the practice of PUPN North Sumatra Branch, with a focus on the research on KP2LN Medan.

Q: What are the challenges in solving bad credit? A: The challenges in solving bad credit include debtor's reluctance, weak debtor management, inappropriate credit approval, no liquid guarantee, and implementation of guarantee documents that are incomplete and do not meet the requirements.

Q: What efforts has PT. BNI (Persero) Tbk. Regional Office 01 Medan made to overcome bad loans? A: PT. BNI (Persero) Tbk. Regional Office 01 Medan has made internal efforts to collect debtors, but often not optimal, and has submitted bad credit to PUPN and KP2LN to get further treatment.

Q: What recommendations can be considered to increase the effectiveness of the settlement of bad credit? A: The recommendations include being selective in providing credit, increasing supervision of debtors, improving staff skills in handling bad loans, and increasing cooperation with PUPN and KP2LN.

Q: What are the limitations of this study? A: The limitations of this study include limited scope, limited data, and reliance on secondary data and document studies.

Q: What are the implications of this study? A: The implications of this study are that PT. BNI (Persero) Tbk. Regional Office 01 Medan can be more effective in handling bad loans and minimizing losses caused by implementing the recommendations outlined in this study.

Q: What are the future research directions? A: Future research can build on this study by conducting a more comprehensive study, using more advanced research methods, and focusing on specific aspects of the settlement of bad credit.

Q: What are the references used in this study? A: The references used in this study include Law Number 49 of 1960, Article 8 and Article 12, PT. BNI (Persero) Tbk. Regional Office 01 Medan's annual report, PUPN North Sumatra Branch's annual report, and KP2LN Medan's annual report.

Additional Questions and Answers

Q: What is the significance of this study? A: This study is significant because it provides a juridical review of the settlement of bad credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in relation to the practice of PUPN North Sumatra Branch, which can inform policy and practice in the financial sector.

Q: What are the potential applications of this study? A: The potential applications of this study include informing policy and practice in the financial sector, improving the effectiveness of bad credit settlement, and reducing losses caused by bad loans.

Q: What are the potential limitations of this study? A: The potential limitations of this study include the reliance on secondary data and document studies, the limited scope of the study, and the potential for bias in the data.

Q: What are the potential future research directions? A: The potential future research directions include conducting a more comprehensive study, using more advanced research methods, and focusing on specific aspects of the settlement of bad credit.

Conclusion

This Q&A article provides additional information and answers to frequently asked questions about the juridical review of the settlement of bad credit PT. BNI (Persero) Tbk. Regional Office 01 Medan in relation to the practice of PUPN North Sumatra Branch (research on KP2LN Medan).