![]() Which restructuring methods are most effective with the parameters of total outstanding, anĪverage of Impairment Loss Reserves (CKPN)2 Restructuring with different parameters to find out the success of restructuring by knowing This study will examine the successes and failures in Regionīandung is included in the province of West Java with rank 4th of largest total Non-Performing The Commercial Segment of Bank Horizon in Commercial Risk Region Bandung. ![]() The purpose of this research is to analyze the performance of credit restructuring in The coefficient r obtained is 0.728 and this value shows the relationship of variable x (credit analysis) with variable y (financing approval) is strong. Data Analysis Technique is calculated by using the average value of Likert scale, correlation coefficient and determination.From the results of research, it is found that the magnitude of responses of respondents to variable credit analysis indicates a number of 4.01 which means credit analysis on PT BPRS Artha Madani has been running well. Total population The number of employees of PT BPRS Artha Madani is 53 people, so the sample is taken as many as 15 people. Sampling technique is based on the provisions of percentage according to Suharsini Arikunto (1993: 120). Data Collection Technique is done by Library Study and Field Study. ![]() Therefore, PT BPRS (Islamic Loan Bank) Artha Madani analyzes credit well before approving financing for prospective borrowers and gives attention to various aspects related to financing processing.This type of research is associative. This credit grant has a high enough risk factor and has a significant effect on Bank soundness. ![]() Funds provided will be used in accordance with the objectives and will eventually be returned to the bank in accordance with the agreed agreement. In giving credit, the bank must have the trust to the prospective debtor as well as the debtor has the confidence to save the funds in the bank. The Bank developed a selection process to screen each proposed credit (proposed financing) proposal. The bank must be able to control the credit risk it provides. In this regard, banks should only provide financing (credit) to the appropriate debtor. The bank can not say that the loans it provides are not collectible, the public funds can not be paid. ![]() On the other hand the bank must pay every rupiah of public funds placed on it. Debtors (credit recipients) can present a million reasons for not paying their obligations. Credit is a risky business, where there is a possibility of credit being given uncollectible (bad credit). ![]()
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