Research Interests:
The debtors who was affected by the eruption of Mount Merapi aresuspected to have difficulties in paying off their obligations in accordance with the credit agreement. Some policies and provisions have implemented in dealing with that... more
The debtors who was affected by the eruption of Mount Merapi aresuspected to have difficulties in paying off their obligations in accordance with the credit agreement. Some policies and provisions have implemented in dealing with that problem. The aimed of this research is to see and to prove effectiveness of the policies and provisions in handling Non Performing Loans of Small and Medium enterprises.Quantitative analysis technique of average difference with paired T-test was used to compare the condition of non-performing loans when the eruption merapi occured, with the condition after the disaster, then we know whether the policies have a good impact in solving these problems. The result represents that some policies conducted by Bank Indonesia still can be applied to the case after the eruption of merapi, at least was able to encourage economic recovery. The persuasive efforts of banks and debtors also decreases most of Non Performing Loan. Abstrak Nasabah debitur yang terkena dampak bencana erupsi Gunung Merapi diperkirakan akan mengalami kesulitan dalam melunasi kewajibannya sesuai dengan perjanjian kredit. Beberapa kebijakan dan ketentuan telah diberlakukan untuk menangani permasalahan tersebut. Penelitian ini bertujuan untuk mengetahui apakah penanganan kredit masalah yang dilakukan selama ini sudah memberikan hasil.Dalam penelitian ini digunakan teknik analisis kuantitatif perbedaan rata-rata dengan uji T berpasangan untuk membandingkan rata-rata dari kondisi kredit bermasalah ketika terjadi bencana alam erupsi Gunung Merapi dan pasca erupsi Gunung Merapi, agar diketahui apakah terdapat pengaruh dari kebijakan yang diberlakukan dalam mengatasi kredit bermasalah akibat erupsi Gunung Merapi. Hasil penelitian menunjukkan kebijakan-kebijakan tersebut masih bisa diterapkan pada kasus pasca erupsi Gunung Merapi ini, paling tidak secara aplikatif dan evaluatif kebijakan Bank Indonesia tersebut mampu mendorong pemulihan ekonomi Usaha Mikro Kecil Menengah. Sebagian besar penurunan tentu juga dipengaruhi oleh upaya-upaya persuasif oleh bank dan debitur yang kooperatif, dengan tetap mempertimbangkan kondisi debitur (business to business).
