Abstract
The purpose of this study was to find out how the role of supervision and credit rescue in minimizing the possibility of default on the completion of working capital loans at PT BPR Eka Bumi Artha Metro. The method in this studyis descriptive qualitative. Data collection techniques used are observation, interview, documentation. Theanalytical tool used is descriptive method. The results of this study indicate that the credit control section hasperformed its role to the maximum extent possible, but the risk of external factors cannot be avoided.Whereas the credit rescue department has carried out its role to the maximum extent possible in returning nonperforming
 loans by way of negotiating settlement or by selling voluntary collateral assets, thereby reducing therate of increase in NPLs so that credit quality is maintained. This can be seen from the good credit quality in 2013and 2014, namely the NPL is 1% below the maximum limit of 5% in accordance with Bank Indonesia regulations.Furthermore in 2015NPL increased by 5% from the previous year, which is 9% which means that it is above 4%of the maximum credit limit. And in 2016 and 2017 NPL decreased by 1% from the previous year, which is to 8%,which means above 3% the maximum credit limit. The credit supervision and rescue team has sought to reduce therate of increase in NPLs so that credit quality is maintained. This has been provenbecause in 2016 and 2017the quality of NPLs decreased 1% from the previous year which experienced a 5% increase in NPLs.
Highlights
The purpose of this study was to find out how the role of supervision and credit rescue in minimizing the possibility of default on the completion of working capital loans at PT BPR Eka Bumi Artha Metro
The results of this study indicate that the credit control section has performed its role to the maximum extent possible, but the risk of external factors cannot be avoided
Whereas the credit rescue department has carried out its role to the maximum extent possible in returning nonperforming loans by way of negotiating settlement or by selling voluntary collateral assets, thereby reducing the rate of increase in non-performing loan (NPL) so that credit quality is maintained
Summary
Dapat dilihat dari jumlah kredit yang disalurkan di PT BPR Eka Bumi Artha pada tahun 2013 sampai dengan tahun 2014 mengalami kenaikan, namun pada tahun 2015 sampai tahun 2017 kredit yang disalurkan terus mengalami penurunan. Dan dapat dilihat pula kemungkinan gagal bayar atau kredit macet di PT BPR Eka Bumi Artha pada tahun 2014 sampai tahun 2016 mengalami kenaikan, namun pada tahun 2017 mengalami penurunan. Pengawasan yang berkelanjutan dapat dilakukan dengan cara melakukan komunikasi dengan debitur untuk menanyakan kondisi usaha, perkembangan usaha, dan kendala yang dihadapi debitur saat ini. Selain itu juga dapat melakukan kunjungan kelapangan untuk melihat langsung kondisi usaha debitur, sehingga bagian pengawasan dan penyelamatan kredit dapat mengetahui apakah permasalahan kredit yang terjadi murni karena aktivitas usaha debitur atau karena kecurangan yang dilakukan debitur terhadap fasilitas kredit yang telah diterimanya
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