| Summary: | This research aims to find the efforts made by banks in resolving troubled loans
without collateral although the precautionary principle on an unsecured credit
agreement has been implemented. Another objectives were to determine the
efforts made by the Bank in resolving troubled loans without collateral.
This is an empirical juridical study. Necessary data in this study is the primary
data and secondary data obtained through field research and literature. Data was
analyzed qualitatively and presented using a descriptive analysis
The results of this study indicate there are two factors causing the credit crunch.
First, internal factors such as lack of human resources located at the initiation of
micro-credit financing and the initial credit error. Second, external factors ie. from
the debtors, such as businesses went bankrupt, majoure force, died, and bad
intention. In resolving troubled loans without collateral, is to collect the debitor
consistently.
|
|---|