Analysis of Factors that Cause Non-Performing Loan and the Settlement on Sari Permata Niaga Savings and Loans Cooperative Denpasar

Lasmana, I Kadek Angga Dwi and Sudiartha, I Ketut and Suarjana, Anak Agung Gde Mantra (2022) Analysis of Factors that Cause Non-Performing Loan and the Settlement on Sari Permata Niaga Savings and Loans Cooperative Denpasar. Repositori Politeknik Negeri Bali.

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Abstract

The purpose of this research is to find out the factors that cause non-performing loan and their settlement at Sari Permata Niaga Savings and Loans Cooperative Denpasar. This study analyzes the results of interviews conducted with cooperative party and debtors from Sari Permata Niaga Savings and Loans Cooperative Denpasar. The data used is credit data from 2019-2021. This study uses descriptive qualitative analysis techniques. The results showed that the factors causing the oc-currence of non-performing loan at Sari Permata Niaga Savings and Loans Cooperative Denpasar came from internal and external factors. Internal factors are caused by the cooperative party who is not precise in conducting the initial analysis of lending in accordance with the principles of 5C and 7P analysis. Furthermore, external factors caused by debtors and the impact of the Covid 19 pandemic are factors of need, business failure, debtors who have been laid off (Termination of Em-ployment) and the decline in the economy due to the Covid 19 pandemic. The settelement of non-performing loan is done by sending Warning Letter I, Warning Letter II, Warning Letter III, and Summons. Furthermore, the head of the credit section of Sari Permata Niaga Savings and Loans Cooperative Denpasar will propose ways to settle loans by rescheduling, restructuring, reconditioning, and the last way that can be done if the debtor is really unable to pay all his debts is confisca-tion of debtor's collateral.

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