THE EFFECTIVENESS OF INDIVIDUALS, GROUPS, AND ORGANIZATIONS TOWARDS HANDLING OF NAD LOANS DURING THE COVID-19 PANDEMIC (STUDY ON BPR ARTO MORO SEMARANG)
Abstract
Pemberian kredit merupakan kegiatan utama bank dalam menghasilkan keuntungan, namun risiko yang paling signifikan juga berasal dari penyaluran kredit. Masalah utama yang dihadapi industri perbankan di Indonesia selama pandemi COVID-19 adalah kredit macet atau bermasalah atau Non Performing Loan (NPL). Covid-19 berdampak signifikan terhadap peningkatan kredit bermasalah di bank umum konvensional. Variabel covid-19 dapat dijadikan sebagai indikator eksternal peningkatan kredit bermasalah bagi bank umum di Indonesia. Otoritas Jasa Keuangan (OJK) telah mengeluarkan Peraturan Otoritas Jasa Keuangan Nomor 42 /Pojk.03/2017 Tentang Kewajiban Penyusunan dan Pelaksanaan Kebijakan Perkreditan atau Pembiayaan Bank Bagi Bank Umum bahwa penanganan kredit macet dapat dilakukan secara perorangan, kelompok, dan organisasi. Dalam usaha mengetahui efektivitas individu, kelompok, dan organisasi terhadap penanganan kredit macet di masa pandemi covid-19, maka melalui penelitian ini diusulkan penelitian mengenai efektivitas individu, kelompok, dan organisasi terhadap penanganan kredit macet di masa pandemi covid-19. Tujuan penelitian adalah untuk menganalisis efektivitas individu, kelompok, dan organisasi terhadap penanganan kredit macet di masa pandemi covid-19.
Jenis penelitian ini adalah deskriptif kuantitatif. Desain penelitian cross sectional. Tempat penelitian di BPR Arto Moro Semarang. Waktu penelitian pada bulan Januari-Desember 2022. Populasi penelitian ini adalah seluruh nasabah kredit BPR Arto Moro Semarang tahun 2020-2021 sebanyak 915 orang. Sampel penelitian ini sebanyak 915 orang. Teknik pengambilan sampel menggunakan accidental sampling. Sumber data primer yaitu Data Potensi Debitur Terdampak Virus Corona Pada Sektor Perbankan BPR Arto Moro Semarang. Sumber data sekunder yaitu data nasabah kredit BPR Arto Moro Semarang. Metode pengumpulan data primer dan sekunder menggunakan. Metode analisis data menggunakan analisis distribusi frekuensi.
Hasil penelitian menunjukkan bahwa efektivitas penanganan penagihan kredit macet secara individu oleh sales (AO) dengan hasil efektif dibandingkan penanganan penagihan kredit macet secara Kelompok Dept Kolektor (Collective) dan BPR/Recovery Aset dengan hasil tidak efektif.
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