ANALISIS PENYEBAB DAN STRATEGI PENANGANAN NON PERFORMING LOAN (NPL) PERBANKAN INDONESIA 2016

Abstrak

This journal aims to determine the causes of NPLs in Indonesian banking handling
strategies that are applied in its efforts to reduce the level of Non Performing Loans (NPL).
The results of this study indicate that the strategy adopted by Indonesian banks in reducing
the percentage of NPL is the prevention process and the handling process. The prevention process
is carried out to prevent current credit from entering the Non Performing Loan. Whereas the
handling process is carried out to reduce the level of non-performing loans that have been in the
NPL to become current loans.
The study concluded that the NPL reduction strategy carried out by banks in Indonesia
throughout 2017 proved to be effective in lowering the NPL to the expected level according to
regulatory provisions. The main recommendation recommended based on the results of this study
is to increase the ability of employees to comply with the provisions that apply in the procedure
of granting credit.

Keywords: Non Performing Loans, Prevention, Handling