Prudential Principle And The Legal Steps Were Taken By Bank Perkreditan Rakyat Shinta Daya Yogyakarta In Settling Non-Performing Loans

Abstract

This research examined the Settlement of Non Performance Loans through Prudential principle at BPR Shinta Daya, Yogyakarta. This research was a normative research by conducting literature studies through collecting articles, documents and interview results. The data was analyzed by qualitative method. It was conducted by describing the data from BPR Shinta Daya, law, and experts opinion. The result of BPR Shinta Daya showed that in applying the Prudential Principle in financing that had done well. The problem of Non Performance Loans was overcame at BPR Shinta Daya. It had a non-performing loan handling procedure with collectibility as followed; 1 Substandard, namely providing guidance and collection to debtors, making bills, summons, and warning letters to debtors, settlement of other asset sales, carrying out rescue follow-ups (credit restructuring) and; 2. Doubtful and Bad, namely providing guidance and collection to debtors, making bills, summons, and warning letters to debtors, settlement of other asset sales, carrying out follow-up actions to rescue credit restructuring, preparing credit settlement strategies, settlement through legal channels/auction, proposing write-offs. Keywords : Non Performance Loans, Prudential Principle, BPR Shinta Daya Yogyakarta