ANALISIS KREDIT BERMASALAH DILIHAT DARI STANDAR NON PERFORMING LOAN (NPL) PADA PT. BANK PERKREDITAN RAKYAT (BPR) PRIMA MULIA ANUGRAH CABANG PADANG
This research was aimed to know: (1) the cause of non performing loan at PT. BPR Prima Mulia Anugrah Padang branch in 2015-2017, (2) the impact of non performing loan to the profit of company in 2015-2017, (3) the effort which is done to overcome the non performing loan at PT. BPR Prima Mulia Anugrah Padang branch in 2015-2017. The data were collected by using interview and documentation. The data were analyzed using case study analysis with quantitative approach. The result of the study showed that (1) non performing loan to four accasioned factor, that is: the lack of officers accuracy in loan analysis, the bad faith of officers of PT BPR Prima Mulia Anugrah Padang branch, the lack of loan suvervision system, and economic downturn. (2) the impact of non performing loan toward the Bank were profit decreases, disruption of cash turnover, the reduce of the bank healty level, the reduce of bank capital, and decline in public confidence. (3) the effort which was done to overcome the non performing loan at PT. BPR Prima Mulia Anugrah Padang branch were restructuring, rescheduling, foreclosure bail, and loan deletion (account receivable deletion).