UPAYA PENYELESAIAN KREDIT MACET DALAM PERJANJIAN KREDIT PERBANKAN DI PT BANK RAKYAT INDONESIA (pesero) Tbk BAWAN KEC. AMPEK NAGARI KAB. AGAM

Abstract

Bad credit is a situation where the customer is unable to pay principal and interest installments. This is what has happened a lot at Bank Rakyat Indonesia Bawan Kec. Ampek Nagari Kab. Agam. This research uses a sociological juridical approach. The data source is primary data consisting of primary, secondary and tertiary legal materials. Data collection by interview and document study and analyzed qualitatively. Conclusion (1) The factors causing bad credit are internal factors that are careful in conducting 5C analysis, and external factors are customers or debtors who are less able to manage credit funds and Covid-19 (2). The effort made by BRI Bank is to reschedule payments.