Authors :
Martuahot Gultom
Volume/Issue :
Volume 8 - 2023, Issue 8 - August
Google Scholar :
https://bit.ly/3TmGbDi
Scribd :
https://tinyurl.com/5n6zhtek
DOI :
https://doi.org/10.5281/zenodo.8308121
Abstract :
The success of a banking or financial
institution is not only from the human resource factor,
but the availability of capital is the main factor. The
higher the capital owned indicates that the bank or
financial institution is getting healthier in its capital.
Aside from being a buffer for bank operations, capital is
also used as a buffer against possible losses from bad
loans. The biggest contribution to the source of income
for banks and financial institutions comes from lending.
In order to get good interest, effective and efficient
management is required. The method used in this
research is qualitative with case studies at PT
Permodalan Nasional Madani Kabanjahe Branch in the
hope of being able to propose an Effective Billing strategy
at ULaMM Kabanjahe in particular and generally for
companies, so that companies can continue to grow. The
results of this study are handling non-performing loans at
ULaMM Kabanjahe Branch, including the category of
non-performing loans which can be divided into four,
namely loans under special mention, substandard loans,
doubtful loans, and bad loans. Non-performing loans for
the Kabanjahe Branch ULaMM Company can have a
significant impact on the company. Overcoming Problem
Credit is a complex and challenging task. ULaMM
Kabanjahe Branch has various policies and approaches in
managing non-performing loans to reduce the risk and
negative impact on their financial health. The collection
strategy carried out by ULaMM Kabanjahe Branch is
early and active billing, empathetic communication,
restructuring negotiations, control from unit heads,
implementing company policies, active visits, desscall,
company rules should not be rigid, discipline, consistency,
direct billing, coordination with the government local,
and good maintenance.
Keywords :
Bad Credit, Effective Billing, Risk Management.
The success of a banking or financial
institution is not only from the human resource factor,
but the availability of capital is the main factor. The
higher the capital owned indicates that the bank or
financial institution is getting healthier in its capital.
Aside from being a buffer for bank operations, capital is
also used as a buffer against possible losses from bad
loans. The biggest contribution to the source of income
for banks and financial institutions comes from lending.
In order to get good interest, effective and efficient
management is required. The method used in this
research is qualitative with case studies at PT
Permodalan Nasional Madani Kabanjahe Branch in the
hope of being able to propose an Effective Billing strategy
at ULaMM Kabanjahe in particular and generally for
companies, so that companies can continue to grow. The
results of this study are handling non-performing loans at
ULaMM Kabanjahe Branch, including the category of
non-performing loans which can be divided into four,
namely loans under special mention, substandard loans,
doubtful loans, and bad loans. Non-performing loans for
the Kabanjahe Branch ULaMM Company can have a
significant impact on the company. Overcoming Problem
Credit is a complex and challenging task. ULaMM
Kabanjahe Branch has various policies and approaches in
managing non-performing loans to reduce the risk and
negative impact on their financial health. The collection
strategy carried out by ULaMM Kabanjahe Branch is
early and active billing, empathetic communication,
restructuring negotiations, control from unit heads,
implementing company policies, active visits, desscall,
company rules should not be rigid, discipline, consistency,
direct billing, coordination with the government local,
and good maintenance.
Keywords :
Bad Credit, Effective Billing, Risk Management.
