PENERAPAN PRUDENTIAL BANGKING SEBAGAI UPAYA MEMINIMALISIR RISIKO KREDIT BERMASALAH PADA KREDIT USAHA RAKYAT (KUR)

(Studi Kasus pada PT. Bank Sumut Tbk. Cabang Sibuhuan)

Abstract

The problem in this study is how the policy of providing People's Business Credit (KUR) with prudential banking principles at PT Bank Sumut Tbk Sibuhuan Branch and what are the efforts to minimize the risk of non-performing loans in People's Business Credit (KUR) at PT. Bank Sumut Tbk Sibuhuan Branch.

The purpose of this study was to determine the policy of providing People's Business Credit (KUR) with prudential banking principles at PT Bank Sumut Tbk Sibuhuan Branch and to find out efforts to minimize the risk of non-performing loans in People's Business Credit (KUR) at PT. Bank Sumut Tbk Sibuhuan Branch.

The research was conducted in the form of descriptive qualitative analysis, because this research is non-hypothetical. When viewed from the nature process and data analysis, it can be classified as descriptive research that is explorative, because the weight and validity of the science to be achieved in this study aims to describe the application of prudential banking as an effort to minimize the risk of non-performing loans in people's business loans (KUR) in Indonesia. PT Bank Sumut Tbk Sibuhuan Branch.

Based on this study, the results obtained that the policy of providing People's Business Credit (KUR) with the principle of prudential banking at PT Bank Sumut Tbk Sibuhuan Branch with the principle of prudence (prudential banking) is a principle which states that in carrying out its functions and business activities it is mandatory to apply the principle of prudence. careful in order to protect the public funds entrusted to him. The policy for the provision of People's Business Credit (KUR) is based on the prudential banking principle, in the prudential principle there are provisions set by Bank Indonesia, these provisions are the minimum capital adequacy requirement (CAR), the maximum credit limit ( LLL), mandatory allowance for earning assets write-off (PPAP), and self-regulatory banking provisions. Efforts to minimize the risk of non-performing loans in People's Business Credit (KUR) at PT. Bank Sumut Tbk Sibuhuan Branch for PT. Bank Sumut Tbk Sibuhuan Branch in providing credit, the amount of collateral or collateral owned by the debtor needs to be analyzed carefully, because the last guarantee is used by the bank to cover and cover all unpaid installments in the event of non-performing loans resulting in the debtor's installments crashing.