TINDAKAN BANK TERHADAP KREDIT MACET PADA KREDIT USAHA RAKYAT (KUR) TANPA AGUNAN BAGI USAHA MIKRO, KECIL DAN MENENGAH (UMKM) DI BANK NAGARI CABANG SOLOK

Abstract

Abstract

People Effort Credit (KUR) constitutes affixed goverment policy deep intruksi Presiden No.6 years 2007 about development velocity sectorallies riil and micro effort empowerments, little and intermediate (UMKM). Goverment hopes with marks sense KUR, agent of UMKM will gets ease to procure credit of bank. But, KUR problem increase kind sort effect problem, about problem in this research is: 1) its happening causal factor stagnant credit on KUR without guarantee at branch Bank Nagari Solok? 2) Effort does one did by bank side for to reduce its happening misfire credit on KUR without guarantee at branch Bank Nagari Solok? 3) Action does one did by bank to stagnant credit debtor on KUR without guarantee at branch Bank Nagari Solok? In this writing utilize judicial formality research type sociology wich is reseach to get primary date and reseach to datas bibliographic material sekunder. Then on analysis in a kualitatif so gets. Conclusio base that round research : 1) Its happening causal faktor stagnant credit on KUR without guarantee which is debtor ability outboard that behavior deteriorates 2) Effort that did by bank party for to reduce its happening misfire credit on KUR without guarantee which gives solusi and contruction to debtor 3) Action that done by bank to stagnant credit debtor on KUR without guarantee wich is restructuring or strove for claim to bondman firm.

Keywords : Bank, People Effort Credit (KUR), Without guarantee