Giving credit that written on an agreement can not be seperated from trust principle, that often become calamity source for creditor referring to unpaid credit . Various of elementary bodies like safety, soundness, without substantial risk – even also in legislation/regulation must get attention, because in in reality less gratify to finish unpaid credit problems .
Classification of credit quality according to SK Directori of Indonesia n bank of No 30/267/PIECE/DIR at section 4 consisted of Kredit Lancar (pass), Credit Dalam Perhatian Khusus (khusus mention), Credit Kurang Lancar (substandard), Credit Diragukan (doubtful) and Kredit Macet. And criterion as unpaid credit if existed arrears of fundamental instalment and/or flower that has went beyond 270 day; or operational loss is covered with new loan; or from law facet and also market condition, guarantee not negotiable at fair value. Criterion Exemption is referred [as] if credit is assessed contain crime aspect by authoritative institution.
Unsolved credit Handling before finished in yudisial is conducted pass by scheduling (rescheduling), requirement (reconditioning), and settlement [again] (restructuring). Handling can pass by one of way or aliance from the three of way referred [as]. After gone through by referred [as] and remain not to there is handling progress, hereinafter finished in yudisial pass by court band, court Niaga, pass by PUPN, and pass by Lembaga Paksa Badan.
It is important to know that insufficient Undang-Undang Perbankan akomodatif to arrange credit problem stucks. Proven This condition from: a) UU Perbankan No.7 Tahun 1992 insufficient much sections that arrange about credit stuck; b) UU Perbankan No.7 Tahun 1992 not arrange way out and step that gone through banking faces credit stucks; c) UU Perbankan No.7 Tahun 1992 not pinpoint maximum institute that handle credit stucks, and how far its involvement, and 4) UU Perbankan No.7 Tahun 1992 not give good enough place to bank commissary as [the] supervisor body. For that must formed special UU about penanggulangan credit stucks either from substantive law facet, observation preventif or facet prosedural or repressive facet other.