Efektivitas Pelaksanaan Restrukturisasi Kredit Sebagai Strategi Penurunan Kredit Bermasalah Selama Pandemic Covid-19 Pegadaian Kanwil Balikpapan

Abstract

The problem that is often faced by financial institutions is the problem of non-performing loans (NPL). Likewise, experienced by Pegadaian Kanwil Balikpapan, As a result of non-performing loans, it can increase the level of NPL which will have an impact on the health of financial institutions if not handled quickly and appropriately. So that financial institutions use credit restructuring as a strategy to reduce non-performing loans. This research is a field research (field research), the nature of descriptive qualitative research, data collection using interview and documentation techniques. The results of the study state that non-performing loans/bad loans can occur in the first 2 products, namely pawn products, customers do not pay as much as their obligations until the due date as agreed in the and Rahn Proof , while in non-pawning products, customers do not pay their monthly obligations according to the installment payment due date as agreed in the micro product fiduciary credit agreement. Analysis of the Effectiveness of the Implementation of Credit Restructuring as a Strategy for Reducing Non-performing Loans at the Balikpapan Branch Pawnshop. Based on the results of research conducted, it can be said that the implementation of credit restructuring in reducing non-performing loans carried out by Pegadaian has been carried out in a persuasive and familial manner to the debtor.