Social interaction as a method to solve non-performing loan in bank X of Medan Area, Indonesia

  • Eben Ezer Pasaribu
  • Zulkili Lubis
  • Zulkifli Zulkifli
  • Rizabuana Ismail Universitas Sumatera Utara
  • Henry Sitorus
Keywords: Social Interaction, Non-Performing Loans, Client, Collector

Abstract

Clients’ non-performing loan is one of the problems faced by a Bank. The differences in character, culture, and people’s socio-economy influence a Bank, through its collectors, to solve the problem of this non-performing loan. The objective of this research was to find out social interaction done by Bank X in solving the non-performing loans of non-performing clients. The research used a qualitative method. The data were gathered by conducting interviews with nine informants – five clients, one collector, and three managers of Bank X in the area of Medan. The result of the research showed that in solving non-performing loan, Bank X did social interaction approach by conducting cooperation in achieving Agreement between collectors and clients, accommodation by understanding clients’ socio-cultural character in order to adjust to clients and to decrease the tension, and contravention by disgracing clients in front of their neighbors.      

References

Ahmadi, A. (1991). Sosiologi Pendidikan. Jakarta: Rineka Cipta.

Darussalam, O. (2013). Faktor-faktor penyebab kredit bermasalah di pt. Bank sulut cabang utama manado. Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 1(4). 69-77. ISSN 2303-1174

Irwansyah, M. R., & Dharmayasa, I. P. A. (2018). Analisis Faktor-Faktor Yang Menyebabkan Kredit Macet Pada Lembaga Perkreditan Desa (Lpd) Di Kecamatan X. Ekuitas: Jurnal Pendidikan Ekonomi, 6(1). 11- 22. https://doi.org/10.23887/ekuitas.v6i1.14240

Manurung, R. (2014). Analisis Faktor-Faktor Yang Mempengaruhi Penggunaan Dana Peminjaman Kredit Bri (Studi Kasus: Karyawan PTPNIII Kebun Rambutan). Jurnal Ekonomi Dan Keuangan, 2(9). 573-586.

Muslim, A. (2013). Interaksi Sosial dalam Masyarakat Multietnis. Jurnal Diskursus Islam, 1(3), 484–494. https://doi.org/10.24252/jdi.v1i3.6642

Nursyahriana, A., Hadjat, M., & Tricahyadinata, I. (2017). Analisis Faktor Penyebab Terjadinya Kredit Macet. FORUM EKONOMI, 19(1), 1-14. https://doi.org/10.29264/jfor.v19i1.2109

Pato, S. (2013). Analisis Pemberian Kredit Mikro Pada Bank Syariah Mandiri Cabang Manado. Jurnal Riset Ekonomi, Manajemen, Bisnis Dan Akuntansi, 1(4).875-885

Saragih, I., & Nasution, S. (2015). Nalisis Pengaruh Modal Sendiri Dan Modal Pinjaman Kredit Usaha Rakyat (Kur) Terhadap Pendapatan Pengusaha Umkm Kabupaten Toba Samosir : Studi Kasus Pt Bank Sumut Cabang Balige. Jurnal Ekonomi Dan Keuangan, 3(7). 393-407

Sihotang, S. L. (2017). Interaksi Sosial Guru Dengan Anak. Sosiatri-Sosiologi, 5(3), 61–75.

Tamangkel, F. C. M. H. J. S. L. F. (2016). Analisis kredit macet (pt. Bank sulut, tbk di manado). Jurnal administrasi bisnis, 4(1). 1-15. https://doi.org/10.35797/jab.4.1.2016.11322.%25p

Wiwoho, J. (2014). Peran Lembaga Keuangan Bank Dan Lembaga Keuangan Bukan Bank Dalam Memberikan Distribusi Keadilan Bagi Masyarakat. Masalah-Masalah Hukum, 43(1), 87–97. https://doi.org/10.14710/mmh.43.1.2014.87-97

Published
2019-10-20
How to Cite
Pasaribu, E. E., Lubis, Z., Zulkifli, Z., Ismail, R., & Sitorus, H. (2019). Social interaction as a method to solve non-performing loan in bank X of Medan Area, Indonesia. International Journal of Research in Business and Social Science (2147- 4478), 8(6), 287-291. https://doi.org/10.20525/ijrbs.v8i6.566
Section
Articles