?url_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Adc&rft.title=PROSEDUR+PENYELESAIAN+KREDIT+MACET+KUR+PADA+PT+BANK+TABUNGAN+NEGARA+(PESERO)+TBK+KANTOR+CABANG+PEMBANTU+WAY+HALIM+KOTA+BANDAR+LAMPUNG&rft.creator=Firnando+%2C++-&rft.subject=330+Ekonomi&rft.description=Penelitian+ini+merupakan+penelitian+lapangan+(field+research)+yang+bertujuan+untuk+menganalisis+penyebab+kredit+macet+dan+strategi+penyelesaiannya+di+PT+Bank+Tabungan+Negara+(Persero)+Tbk+Kantor+Cabang+Pembantu+(KCP)+Way+Halim%2C+Bandar+Lampung.+Fokus+penelitian+ini+adalah+layanan+yang+diberikan+oleh+BTN+KCP+Way+Halim+dalam+menyalurkan+Kredit+Usaha+Rakyat+(KUR)+serta+upaya+yang+dilakukan+dalam+mengelola+risiko+kredit.+Hasil+penelitian+menunjukkan+bahwa+kredit+macet+disebabkan+oleh+berbagai+faktor%2C+baik+internal+maupun+eksternal.+Faktor+internal+meliputi+ketidakstabilan+kondisi+keuangan+debitur%2C+kurangnya+keterampilan+manajerial%2C+serta+penyalahgunaan+dana+kredit.+Sementara+itu%2C+faktor+eksternal+meliputi+kondisi+ekonomi+yang+tidak+stabil%2C+bencana+alam%2C+dan+perubahan+kebijakan+pemerintah.+Untuk+mengatasi+kredit+macet%2C+BTN+menerapkan+strategi+seleksi+ketat+calon+debitur%2C+edukasi+finansial%2C+pemantauan+berkala%2C+restrukturisasi+kredit%2C+serta+upaya+hukum+dalam+kasus+tertentu.+Berdasarkan+hasil+tersebut%2C+maka+disarankan+agar+BTN+meningkatkan+efektivitas+pemantauan+debitur%2C+mengoptimalkan+teknologi+digital+dalam+sistem+pengawasan+kredit%2C+serta+memperkuat+program+edukasi+dan+pendampingan+bagi+pelaku+usaha+guna+mengurangi+risiko+kredit+macet.+Melalui+perbaikan+ini%2C+diharapkan+program+KUR+dapat+terus+mendukung+pertumbuhan+ekonomi+dan+kesejahteraan+masyarakat.%0D%0A%0D%0AKata+Kunci%3A+Kredit+macet%2C+strategi+penyelesaian%2C+Kredit+Usaha+Rakyat+(KUR)%2C+PT+Bank+Tabungan+Negara%0D%0A%0D%0AThis+study+is+a+field+research+that+aims+to+analyze+the+causes+of+bad+debts+and+their+resolution+strategies+at+PT+Bank+Tabungan+Negara+(Persero)+Tbk+Way+Halim+Branch+Office%2C+Bandar+Lampung.+The+focus+of+this+study+is+the+services+provided+by+BTN+KCP+Way+Halim+in+distributing+People's+Business+Credit+(KUR)+and+the+efforts+made+in+managing+credit+risk.+The+results+of+the+study+indicate+that+bad+debts+are+caused+by+various+factors%2C+both+internal+and+external.+Internal+factors+include+the+instability+of+the+debtor's+financial+condition%2C+lack+of+managerial+skills%2C+and+misuse+of+credit+funds.+Meanwhile%2C+external+factors+include+unstable+economic+conditions%2C+natural+disasters%2C+and+changes+in+government+policy.+To+overcome+bad+debts%2C+BTN+implements+a+strategy+of+strict+selection+of+prospective+debtors%2C+financial+education%2C+periodic+monitoring%2C+credit+restructuring%2C+and+legal+efforts+in+certain+cases.+Based+on+these+results%2C+it+is+recommended+that+BTN+increase+the+effectiveness+of+debtor+monitoring%2C+optimize+digital+technology+in+the+credit+monitoring+system%2C+and+strengthen+education+and+mentoring+programs+for+business+actors+to+reduce+the+risk+of+bad+debts.+Through+these+improvements%2C+it+is+hoped+that+the+KUR+program+can+continue+to+support+economic+growth+and+community+welfare.%0D%0A%0D%0AKeywords%3A++Bad+credit%2C+settlement+strategy%2C+People's+Business+Credit+(KUR)%2C+PT+Bank+Tabungan+Negara%0D%0A&rft.publisher=FAKULTAS+EKONOMI+DAN+BISNIS&rft.date=2025-05-27&rft.type=Diploma%2FTugas+Akhir&rft.type=NonPeerReviewed&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89611%2F1%2F1.%2520ABSTRAK.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89611%2F2%2F2.%2520LAPORAN%2520AKHIR%2520FULL.pdf&rft.format=text&rft.identifier=http%3A%2F%2Fdigilib.unila.ac.id%2F89611%2F3%2F3.%2520LAPORAN%2520AKHIR%2520TANPA%2520PEMBAHASAN.pdf&rft.identifier=++Firnando+%2C+-++(2025)+PROSEDUR+PENYELESAIAN+KREDIT+MACET+KUR+PADA+PT+BANK+TABUNGAN+NEGARA+(PESERO)+TBK+KANTOR+CABANG+PEMBANTU+WAY+HALIM+KOTA+BANDAR+LAMPUNG.++%5BDiploma%2FTugas+Akhir%5D+++++&rft.relation=http%3A%2F%2Fdigilib.unila.ac.id%2F89611%2F