Strategi Penyelesaian Kredit Macet dan Dampak terhadap Kinerja Keuangan pada PT Adira Finance Tbk, Kabanjahe

Abstract

This research aims to determine the causes of bad credit and the impact of resolving bad credit on financial performance at PT ADIRA FINANCIAL TBK.Kabanjahe. This research uses a qualitative research method where data collection is carried out by interviewing selected informants, namely employees at PT. Adira Finance Tbk, Kabanjahe credit department. The strategy for resolving bad credit at PT. What was done by Adira Finance Tbk, Kabanjahe was through collection, a persuasive (familial) approach, restructuring and confiscation of collateral. By implementing this strategy, it is possible to resolve bad debts which will have an impact on reducing the NPL (Non Performing Loan) level in the company. Factors that cause bad debts include the character of the customer, the customer's economic problems. Therefore, the occurrence of bad credit on financial performance is that bad credit can affect the condition of the bank, namely, there will be irregularities in cash circulation at the bank and will also affect Non-Performing Loans (NPL). When credit interest rates are high, this will indirectly cause bad credit and affect the bank's finances or cash. If bad credit increases, it will affect financial performance, namely decreasing profits. Bad credit must be prevented early so as not to cause losses. strategies carried out by PT Adira Financial Tbk, Kabanjahe in dealing with bad credit, carrying out collections from customers, inspecting locations and taking actions including rescue actions by carrying out bills by Recheduling, Reconditioning, Restructuring, Combination, Confiscation of Collateral