Settlement of Bad Loans Through Auction Execution of Customer Rights at Bank Syariah Indonesia: english

Abstrak

Bank Syariah Indonesia (BSI) is an Islamic bank institution that serves financing to customers. BSI KCP Tangerang City as one of the sub-branch offices, has obstacles to bad financing by customers. The bank analyzes financing and applies collateral as collateral for customer financing. This research has a problem formulation, namely, how to resolve bad credit through auction execution of mortgage rights. This research was conducted using the normative juridical approach method through interview data sources, laws, and various literature studies. The results of this study indicate that BSI KCP Tangerang City applies an auction for bad debts if the customer's financing has bad status and is reluctant to pay his debts, in accordance with Bank Indonesia Regulation No. 14/15/PB/2012 concerning Asset Quality Assessment of Commercial Banks. The bank considers the relief efforts of restructuring negotiations; rescheduling, reconditioning, restructuring, given time, to the sale of collateral. The implementation and procedures of the auction are submitted to the KPKNL, in accordance with the Minister of Finance Regulation Number 213 / PMK.06 / 2020 concerning Guidelines for the Implementation of Auctions. The bank conducts collateral credietverband; the proceeds of the sale are handed over to the customer after deducting KPKNL fees and others. The bank needs to review the application of the prudential principle, 5C, 7P, 3R credit analysis to minimize bad credit. Customers are advised to be able to reconsider the feasibility of ability before applying for credit to the bank.