LOANS SETTLEMENT AT FEDERAL INTERNATIONAL FINANCE Ltd. (FIF) BANDAR LAMPUNG CITY

There are many ways to purchase a vehicle, including a credit system. However, various problems arise in its application regarding the settlement of bad loans caused by default debtors. This study aims to analyse the efforts made by Federal International Finance Ltd. (FIF) Bandar Lampung City in resolving motor vehicle bad loans due to default debtors. This study uses empirical normative legal research methods and qualitative descriptive methods. The data is obtained from direct observations and interviews, then linked to legal regulations concerning the default problem. The results indicate that Federal International Finance Ltd. has an ideal solution to resolve bad Loans through litigation and non-litigation. Efforts to settle bad loans through non-litigation could be made by giving a subpoena to the debtor. Furthermore, the creditor could take litigation by filing a civil lawsuit against the debtor for default according to Article 1243 of the Civil Code.

Implementation of GCG Principles in Distribution of Credit in SOE/BUMD Bank

The aims this study is to find out Implementation of GCG Principles in Distribution of Credit in SOE/BUMD Bank. This study use normative juridical research. The resul in this study shows that The board of directors and management of BUMN/BUMD banks absolutely must understand and apply the principles of GCG, especially in lending by applying the principles of GCG to prevent the occurrence of credit that has the potential to harm the company due to the lack of prudence and responsibility of officers to carry out loans. verification of customer data in the field. State-owned/BUMD Banks are required to be guided by the principles of GCG in implementing management so that the achievement of the goals and objectives, especially through the distribution of banking credit to the public and debtor customers can be obtained properly and maximally or at least not experiencing bad loans which have the potential to cause economic losses for the Bank BUMN/BUMD.

The Foreclosed Collaterals As A Resolution For Bad Credit In Indonesia Banking System

This research aim to understand the condition when a customer is no longer able to pay or repay a loan is called bad credit. This condition can actually cause many problems, ranging from difficulties in obtaining credit approvals to blacklisting by the bank. Collaterals are one of the requirements from the Bank when giving credit loans so that those collaterals can guarantee the credit’s acquittal should the debtor be breached. If there is a case of bad debts, banks have the option to solve the credit loan through the process of Foreclosed Collaterals. This journal is written on a legal and juridical-normative research, emphasizing the usage of written documents as the main sources of law. The collateral purchases are written in Article 12A Number 10 of 1998 of the Constitution on how banks may purchase the collaterals with or without auctions to solve bad credits even faster. Considering that Article 20 of the Constitution on Mortgage Rights has already written ways on collateral executions, therefore the warrant payment will follow the option of Foreclosed Collaterals. Reporting from the official website of Bank Indonesia (BI), to minimize the risk of increasing bad loans, BI issued PBI (Bank Indonesia Regulation) No. 14/2/PBI/2012 concerning APMK (Card-Based Payment Instruments). The regulation was made to reduce the risk of negative impacts from using credit cards as debt instruments to the extent that they reach excessive limits. Using statute and conceptual approaches, it is inferred that Foreclosed Collateral purchase procedures can be done in 3 (three) different ways, followed through the Settlement Efforts, where the ownership of the collaterals must be switched to another in 1 (one) year time.

Analisis Kredit Macet pada Kredit Usaha Rakyat (KUR) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Rungkut Surabaya pada Masa Pandemi Covid-19

COVID-19 pandemic is a phenomenon that has made all economic sectors down, and thats including the banking sector. This pandemic makes credit risk will increase, therefore the problem in this research its about causes of bad credit in People's Business Credit (KUR), and how are the efforts of BRI Rungkut Surabaya Unit in resolving and minimizing bad loans during the Covid-19 pandemic. This study using qualitative research with a descriptive approach, informed by informants from BRI KUR Rungkut officers and KUR debtors as well as data on bad credit financial reports. The results showed that bad loans at BRI Unit Rungkut Surabaya were caused by external factors in the form of business risks, natural and non-natural disasters, and bad faith from customers. Internal factors in the form of overcrediting, analysis errors, and feelings of pity. The steps to resolve and minimize bad loans carried out by BRI Unit Rungkut Surabaya are in accordance with the regulations given by the government during the Covid-19 pandemic.

Penyelesaian Kredit Macet di Koperasi Sumber Kasih Desa Tangeb, Kecamatan Mengwi, Kabupaten Badung

Indonesia is a developing country with various kinds of economic development. Bound by government regulations, the community cannot act arbitrarily and must follow applicable norms. The government in an effort to equalize the welfare of its people creates a forum for community associations to manage their funds or borrow funds to open a business. The purpose of this study is to reveal the legal arrangements for bad loans at KSU Sumber Kasih, Tangeb village and the settlement of bad loans at KSU Sumber Kasih, Tangeb village. This research applies normative research methods. Sources of data used in the form of primary and secondary legal materials. This research was conducted by looking for direct data from the field and through legal science books and connecting with the issues raised and then linking them to the current legislation which was then analyzed systematically. The results of the study reveal that Rural Banks are the government's solution to provide convenience to the community but with terms and conditions in the lending process. Every community who wants to borrow money for certain purposes can be done at BPR, those who want to borrow capital must have collateral which will later be calculated according to the desired loan, but it is not uncommon for bank staff not to think about the amount of collateral used with borrowed funds, this often happens. default

Critical Perspectives to Non-performing Assets of Indian Banks, Shrinking Balance Sheet, Challenges and Way Ahead

Indian banking sector is facing the problem of rising bad loans as gross non-performing assets (GNPA) of Indian banks is on continuous rise. The present study is an attempt to analyse rising bad loans scenario of Indian banks, various factors that contributes to non-performing assets (NPA), along with the present state of Indian banks. This study found that poor recovery measures, lack of proper credit and risk management system at bank level, wilful default by borrowers, lack of stringent regulation, poor level of corporate governance and misuse of funds by borrowers are the key factors behind the rising level of bad loans of Indian banks. It was found that public sector banks (PSB) are suffering the most from rising level of NPA, high rate of NPA of banks have adverse impact on banks’ balance sheets, their assets quality, increased provisioning coverage ratio of banks and low return on assets. Although various concerned stakeholders have taken numerous measures to curb the situation, such as recapitalization of PSB, construction of assets reconstruction companies (ARC), Debt Recovery Tribunals for speedy recovery of bad loans and enactment of insolvency and bankruptcy code (IBC),still there is much more to do, and have a huge scope to bring reforms in banking sector, especially in PSB of India.

Bad Bank is Actually a Good Idea

This article demonstrates the effect of bad loans in India which was developed recently by the Indian Finance Minister. Bad banks operate like a concept in the domestic debt sector where the amount of domestic debt is high and even the market has enough scale to bear enough price-discovery and market-making. there was a proposal made to the government, to merge the NPA portfolio with a new establishment known as an Asset Rehabilitation Corporation (ARC), that would purchase the principal of the Non-performing Assets (NPA) portfolio at a book valuation (not market value) and these accounts would be taken over by the new company to manage the portfolio of the new command (which will be established with a capital of Rs 10,000 crore). The government says that it is intervening to mitigate potential damages that the banks could suffer as a result of the provisioning for non-performing assets and recapitalisation that the government (as a majority investor of most PSBs) may be required to invest on. With the forthcoming Union budget’s planning an outpouring of clamour and market demand is being felt to set up a ‘poor bank’ to sweep bad debts.

IMPLEMENTASI SISTEM PAKAR PENGENDALIAN INTERNAL PEMBERIAN KREDIT RUMAH MENGGUNAKAN METODE FORWARD CHAINING

Abstrak: Tujuan praktis dari kecerdasan buatan adalah membuat komputer lebih bermanfaat bagi manusia. Kecerdasan buatan dapat membantu manusia membuat keputusan, menemukan informasi yang lebih akurat atau membuat komputer lebih mudah digunakan dengan tampilan alami untuk membuatnya mudah dimengerti. Pada kenyataannya, sistem permohonan kredit bertujuan untuk memberikan kemudahan serta layanan yang tepat sesuai kebutuhan nasabah, dan juga memberikan suatu pedoman serta syarat-syarat dalam permohonan kredit dengan jelas agar nasabah mengerti bagaimana prosedur dalam mengajukan permohonan kredit. Adapun resiko yang dihadapi dari Bank SUMUT seperti tunggakan kredit atau kredit macet. Oleh karena itu, dibutuhkanlah kecermatan pihak internal bank dalam melakukan analisa. Ini bertujuan untuk mempelajari Sistem Pakar dengan metode Forward Chaining dan masalah untuk mengetahui apakah tindakan yang akan diambil oleh pihak internal dalam memproses pemberian kredit rumah sesuai aturannya. Kata kunci: kredit; runut maju; sistem pakar Abstract: The practical goal of artificial intelligence is to make computers more useful to humans. Artificial intelligence can help humans make decisions, find more accurate information or make computers easier to use with natural displays to make them easy to understand. The credit application system aims to provide convenience and appropriate services according to customer needs, and also provides clear guidelines and conditions for credit applications so that customers understand the procedure for applying for credit. The risks faced by Bank SUMUT such as credit arrears or bad loans. Therefore, it takes the accuracy of the bank's internal parties in conducting the analysis. This aims to study the Expert System with the Forward Chaining method and the problem to find out whether the actions that will be taken by internal parties in processing home loans are following the rules. Keywords: credit; expert system; forward chaining

Russia will need to tighten corporate loan policies

Significance Debt restructuring was offered to good and bad companies alike. This indiscriminate approach delayed insolvency that would otherwise have overtaken 'zombie' companies. Impacts Permanent shifts in demand, value chains and consumer preferences will make it more difficult for banks to assess companies' credit quality. After last year's 2020 lending and restructuring spree, smaller banks may roll over rather than write off bad loans. The low number of new company registrations will, among other factors, deter recovery in the labour market this year.