ANALISIS IMPLEMENTASI RESTRUKTURISASI KREDIT DALAM UPAYA by VII9jovw

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									                                                                   DAFTAR ISI
                                                                                                                                                 Halaman
MOTTO
TANDA PERSETUJUAN SKRIPSI
TANDA PENGESAHAN SKRIPSI
ORISINALITAS SKRIPSI
RINGKASAN ...........................................................................................................................             v
SUMMARY ..............................................................................................................................            vii
KATA PENGANTAR ..............................................................................................................                     ix
DAFTAR ISI .............................................................................................................................          xi
DAFTAR TABEL .....................................................................................................................                xiv
DAFTAR GAMBAR ................................................................................................................                    xv
DAFTAR LAMPIRAN .............................................................................................................                     xvi

BAB I PENDAHULUAN
A. Latar Belakang .....................................................................................................................           1
B. Rumusan Masalah ................................................................................................................               10
C. Tujuan Penelitian..................................................................................................................            11
D. Kontribusi Penelitian............................................................................................................              11
E. Sistematika Pembahasan ......................................................................................................                  13

BAB II TINJAUAN PUSTAKA
A. Penelitian terdahulu..............................................................................................................             14
1. Penelitian Endang Sri Rahayu ..............................................................................................                    14
2. Penelitian Riadany Tyas H.S ................................................................................................                   15
3. Penelitian Erna Indriasari ......................................................................................................              16
B. Pengertian Bank ...................................................................................................................            20
1. Definisi Bank ........................................................................................................................         20
2. Fungsi Bank ..........................................................................................................................         20
3. Jenis Bank .............................................................................................................................       21
4. Kegiatan Bank .......................................................................................................................          23
5. Sumber Dana Bank ...............................................................................................................               24
C. Kualitas Aktiva Bank Umum ...............................................................................................                      27
1. Jenis Kualitas Aktiva Bank Umum .......................................................................................                        27
2. Kualitas Aktiva produktif .....................................................................................................                30
D. Pengertian Kredit ................................................................................................................             36
1. Definisi Kredit ......................................................................................................................         36
2. Unsur-Unsur Kredit ..............................................................................................................              38
3. Tujuan Kredit ........................................................................................................................         39
4. Fungsi Kredit ........................................................................................................................         40
5. Jenis-Jenis Kredit ..................................................................................................................          42
6. Penilaian Kredit ....................................................................................................................          47
7. Kebijakan Kredit ...................................................................................................................           51
E. Pengertian Non Performing Loan (NPL ...............................................................................                            52
1. Penyebab Timbulnya Non Performing Loan
(NPL..........................................................................................................................................    53
2. Gejala Timbulnya Non Performing Loan (NPL) ..................................................................                            55
3. Penggolongan Non Performing Loan (NPL..........................................................................                          56
4. Penanganan Non Performing Loan (NPL .............................................................................                        58
5. Perhitungan Non Performing Loan (NPL .............................................................................                       60
F. Pengertian Restrukturisasi Kredit .........................................................................................              60
1. Definisi Restrukturisasi Kredit .............................................................................................            60
2. Implementasi Restrukturisasi Kredit .....................................................................................                63
3. Kendala dalam Restrukturisasi Kredit ..................................................................................                  64
4. Alternatif Tindakan dalam Menghadapi
Kegagalan Restrukturisasi Kredit ............................................................................................               65

BAB III METODE PENELITIAN
A. Jenis Penelitian .....................................................................................................................   67
B. Fokus Penelitian ...................................................................................................................     67
C. Lokasi Penelitian dan Situs Penelitian .................................................................................                 68
D. Jenis dan Sumber Data .........................................................................................................          69
E. Teknik Pengumpulan Data ...................................................................................................              69
F. Instrumen Penelitian .............................................................................................................       70
G. Analisis Data ........................................................................................................................   71

BAB IV HASIL PENELITIAN DAN PEMBAHASAN
A. Gambaran Umum Perusahaan .............................................................................................. 73
   1 Sejarah Berdirinya PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang .............. 73
   2 Lokasi PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang ................................. 77
   3 Visi dan Misi PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang ...................... 77
   4 Motto PT. bank tabungan Negara (Persero) Tbk Cabang Malang .................................... 78
   5 Struktur Organisasi PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang ............. 79
   6 Deskripsi Jabatan............................................................................................................... 81
   7 Produk dan Jasa PT. Bank tabungan Negara (Persero) Tbk Cabang Malang ................... 89
B. Penyajian Data
   1. Prosedur Pemberian Kredit Pemilikan Rumah PT. Bank Tabungan Negara (Persero) Tbk
      Cabang Malang ................................................................................................................ 96
   2. Penggolongan Kolektibilitas Kredit Pemilikan Rumah (KPR) PT. Bank Tabungan Negara
      (Persero) Tbk Cabang Malang ......................................................................................... 107
   3. Upaya PT Bank Tabungan Negara (Persero) Tbk Cabang Malang dalam meminimalisir
      Non Performing Loan (NPL ............................................................................................ 112
      4. Implementasi Restrukturisasi Kredit Pemilikan Rumah (KPR) PT. Bank Tabungan Negara
      (Persero) Tbk Cabang Malang ......................................................................................... 128
      a. Pedoman Implementasi Restrukturisasi Kredit Pemilikan Rumah (KPR) PT. Bank
          Tabungan Negara (persero) Tbk ................................................................................ 128
      b. Pola Restrukturisasi Kredit Pemilikan Rumah PT. Bank Tabungan Negara (Persero)
        Tbk Cabang Malang .................................................................................................... 131
      c. Cara perhitungan / Simulasi PUL dan pengurangan Tunggakan Bunga dan/atau
        Tunggakan Denda......................................................................................................... 148
      d. Tata Cara Pengajuan Usul, Analisa dan Monitoring Restrukturisasi KPR ................. 152
C. Analisi Data dan Intepretasi
   1. Non Performing Loan KPR PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang
       Sebelum Implementasi Restrukturisasi Kredit ................................................................ 156
    2. Non Performing Loan KPR PT. Bank Tabungan Negara (Persero) Tbk Cabang Malang
       Sesudah Implementasi Restrukturisasi Kredit ................................................................. 162
    3. Analisis Implementasi Restrukturisasi KPR dalam Upaya Meminimalisir
       Non Performing Loan (NPL) ........................................................................................... 178

BAB V PENUTUP
A. Kesimpulan ..........................................................................................................................         183
B. Saran .....................................................................................................................................   184

Daftar Pustaka ..........................................................................................................................        xvii

								
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