NOVALDY, ARI (2023) Mekanisme Pengajuan Restrukturisasi Kredit Kepemilikan Rumah (Kpr) ( Studi Pada Bank Btn Kantor Cabang Malang ). Diploma thesis, Fakultas Ekonomi Dan Bisnis Universitas Merdeka Malang.

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Abstract

Restructuring is one of the corrective efforts made by banks in activities related to credit. This research aims to find out the procedures and requirements, patterns and provisions, as well as mortgage restructuring efforts to reduce bad debts that occur at BTN Bank Malang branch office. The data collection techniques used in this research are observation, interview, and literature study. Based on the results of the research conducted, the procedures and requirements for mortgage restructuring start from the identification stage, application submission, analysis process, negotiation process, signing of credit agreement addendum, decision making, data changes and finally the bank must also carry out monitoring. The patterns and provisions in carrying out KPR restructuring start from Rescheduling the Remaining Arrears (PUST), Rescheduling the Remaining Principal (PUSP), Interest Discounts, Decreasing Interest Rates, and Grace Period. efforts to restructure Home Ownership Loans to reduce bad debts are the actions that the bank takes, of course, vary according to the bad debts being handled.

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