| Summary: | The purpose of this study is to discover the implementation process the
completion of bad debt and to know the assurance position in completion of bad
debt at Bank BRI Sleman due to the eruption of Mount Merapi in Sleman. This
study was an empirical juridical law to obtain primary data about related matters
that exist in the field and the materials which related to the research topic as
secondary data.
The primary data was obtained by interviews and secondary data was
obtained from books or literatur for theoretical explanation of the law related to
this study. The data collection method in this study was used by the literature
research and interviews. The research results obtained qualitatively analyzed with
descriptive methods.
The results showed that (1) implementation process the completion of bad
debt due to the eruption of Mount Merapi in District Sleman which identified the
condition of customers by bank and then further efforts of 3R which consisting of
rescheduling, reconditioning and restructuring. Rescheduling is changes in credit
terms realtingti the payment schedule and/or the time term. Reconditioning is
change some or all of the credit terms are not limited to changes in the payment
schedule , duration , and other terms along or not relating to changes in the
maximum credit balance . Restructuring that changes the terms of bank credit in
the form of additional funding and / or conversion of all or part of the interest
arrears into a new loan principal , in addition to the efforts of the Bank also
provides loans partnerships. (2) In case of assurance position in completion of bad
credit due to the eruption of Mount that the letter of assurance ownership remain
in bank until the loan will bepaid off and there is no execution of loan assurances
by the bank because the completion of bad credit conditions caused by natural
disasters.
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