TINDAKAN HUKUM DALAM PENYELAMATAN DANudPENYELESAIAN KREDIT BERMASALAH ( NONudPERFORMING LOAN ) OLEH BANK RAKYATudINDONESIA CABANG TEMANGGUNGudTAHUN 2002 – 2006

摘要

Sartono, S. 320905013, 2008, Law Action in Saving and Solving Non PerfomingudLoan by BRI Temanggung Branch in 2002 – 2006.udThesis : Magister Program University of Sebelas Maret Surakarta.udThis research has aimed to know and analyze the factors causes non performingudloan occurs in BRI Temanggung Branch and various kinds of solution credit stuckudhandled by BRI Temanggung Branch in 2002 – 2006.udType of this research uses empiric / non-doctrinal based on the fifth legal concepudin which law is a manifestation of symbolic meaning of social behaviors, which areudshown in their interaction. This research uses diagnotic type the data analyzes byudqualitative analysis.udBased on the tresearch and ciscussion by using law action theory, therefore itudconcluded that various factors cause non performing loan in BRI Temanggung Branch inud2002 – 2006 consist of : (1) inappropriate of spending credit with the purpose before; (2)udcustomers less capable to manage their business; (3) customer has no good faith; (4)udgovernment policy in the real sector. However the action to save and solve these mattersuddone by BRI Temanggung Branch in handling credit stuck / non performing loan asudfollows : (1) decrease credit rate of interest; (2) decrease remove arreas; (3) decreaseudmain arreas of credit; (4) time lengthening of credit; (5) expropriation assets; (6) sell outudillegally guarantee material; (7) receiable what overflows to BUPLN / PUPN; and (8)udproposed using throught PN.udImplication from the conclusion resulting that the more non performing loanudcauses decreasing of banking liquadity itself, finally it influences in acceleration credituddistribution as government program. Suggestion or recommendation proposed forudinstance is needed carefulness principle in credit distribution process, avoid calculationuderror between value of guarantee and value of credit and developing human resources inudthe banking management, it considering that credit value distribution in the future.