ii
LAPORAN
LAPORAN
PRAKTIK KERJA LAPANGAN
PRAKTIK KERJA LAPANGAN
PROSEDUR RESTRUKTURISASI KREDIT KEPEMILIKAN
PROSEDUR RESTRUKTURISASI KREDIT KEPEMILIKAN
RUMAH SEBAGAI BENTUK PROBLEM SOLVING
RUMAH SEBAGAI BENTUK PROBLEM SOLVING
TERHADAP TUNGGAKAN KREDIT OLEH NASABAH
TERHADAP TUNGGAKAN KREDIT OLEH NASABAH PADA
PADA
BANK TABUNGAN NEGARA CABANG SEMARANG
BANK TABUNGAN NEGARA CABANG SEMARANG
Oleh : Oleh : Nama
Nama : : Ghanang Ghanang Dwi Dwi PamungkasPamungkas NIM
NIM : : 72114121007211412100 Jurusan
Jurusan : : Akuntansi Akuntansi S1 S1 20122012
JURUSAN AKUNTANSI
JURUSAN AKUNTANSI
FAKULTAS EKONOMI
FAKULTAS EKONOMI
UNIVERSITAS NEGERI SEMARANG
UNIVERSITAS NEGERI SEMARANG
2015
2015
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KATA PENGANTAR
KATA PENGANTAR
Puji syukur kepada Allah SWT yang telah memberikan rahmat, hidayah, Puji syukur kepada Allah SWT yang telah memberikan rahmat, hidayah, serta
serta ridhonya ridhonya sehingga sehingga penyusunan penyusunan Laporan Laporan Praktek Praktek Kerja Kerja Lapangan Lapangan yangyang berjudul
berjudul “ “ Prosedur Prosedur Restrukturisasi Restrukturisasi Kredit Kredit Kepemilikan Kepemilikan Rumah Rumah sebagai sebagai BentukBentuk Problem Solving
Problem Solving Terhadap TunggakTerhadap Tunggakan Kredit Oleh Nasabah Pada an Kredit Oleh Nasabah Pada Bank TabunganBank Tabungan Negara Kantor Cabang Semaraang” dapat diseleseikan dengan b
Negara Kantor Cabang Semaraang” dapat diseleseikan dengan baik.aik.
Laporan Praktek Keja Lapangan disusun sebagai salah satu syarat dalam Laporan Praktek Keja Lapangan disusun sebagai salah satu syarat dalam menyelesaikan studi program Strata satu ( S1 ) Akuntansi Fakutas Ekonomi menyelesaikan studi program Strata satu ( S1 ) Akuntansi Fakutas Ekonomi Universitas Negeri Semarang. Dalam penyusunan Lpaoran Praktek Kerja Lapangan Universitas Negeri Semarang. Dalam penyusunan Lpaoran Praktek Kerja Lapangan ini penulis menddapatkan banyak bantuan baik secara langsung maupun tidak ini penulis menddapatkan banyak bantuan baik secara langsung maupun tidak langsung dari berbagai pihak dalam ha membimbing, mengumpulkan data, serta langsung dari berbagai pihak dalam ha membimbing, mengumpulkan data, serta pemberia
pemberia saran. saran. Pada Pada kesempatan kesempatan ini ini penulis penulis ingin ingin menyampaikan menyampaikan terima terima kasihkasih kepada:
kepada: 1.
1. Bank Tabungan Negara Kantor Cabang Semarang yang telah memberikanBank Tabungan Negara Kantor Cabang Semarang yang telah memberikan fasilitas untuk pelaksanaan Praktek Kerja Lapangan.
fasilitas untuk pelaksanaan Praktek Kerja Lapangan. 2.
2. Drs. Tarsis Tarmudji selaku dosen pembimbing yang selalu memberikanDrs. Tarsis Tarmudji selaku dosen pembimbing yang selalu memberikan saran atas pelaksanaan PKL dan memberikan bimbingan dalam
saran atas pelaksanaan PKL dan memberikan bimbingan dalam pelaksanaanpelaksanaan PKL.
PKL. 3.
3. Aji Desyanto, Mas Ilham, Mb. Meina, Mas Irwan dan seluruh staff CCRDAji Desyanto, Mas Ilham, Mb. Meina, Mas Irwan dan seluruh staff CCRD yang telah memberikan pengarahan dalam pembuatan laporan PKL dan yang telah memberikan pengarahan dalam pembuatan laporan PKL dan
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4.
4. Orangtua dan keluarga yang telah memberikan dukungan, doa yang sangatOrangtua dan keluarga yang telah memberikan dukungan, doa yang sangat berarti, bantuan materiil maupun spiritual dalam penyusunan laporan ini. berarti, bantuan materiil maupun spiritual dalam penyusunan laporan ini.
5.
5. SIDGY ( Seto, Inugraha, David, G, dan Yahya).SIDGY ( Seto, Inugraha, David, G, dan Yahya). 6.
6. TemanTeman – – teman seperjuangan PKL di Bank Tabungan Negara yang teman seperjuangan PKL di Bank Tabungan Negara yang senantiasa membantu.
senantiasa membantu. 7.
7. Semua pihak yang tidak bisa disebutkan satu-persatu atas Semua pihak yang tidak bisa disebutkan satu-persatu atas bantuanya selamabantuanya selama penyusunan laporan ini.
penyusunan laporan ini.
Dalam penyusunan Laporan Praktek Kerja Lapangan ini, penulis menyadari Dalam penyusunan Laporan Praktek Kerja Lapangan ini, penulis menyadari mssih banyak kekurangan dan keterbatasan. Oleh karena it
mssih banyak kekurangan dan keterbatasan. Oleh karena it u, penulis mengahrapkanu, penulis mengahrapkan masukan dari berbagai pihak, sehingga Laporan Praktik Kerja Lapangan ini bisa masukan dari berbagai pihak, sehingga Laporan Praktik Kerja Lapangan ini bisa bermanfaat.
bermanfaat.
Semarang,
Semarang, Desember Desember 20152015 Penulis Penulis
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ABSTRAK ABSTRAK
Ghanang Dwi Pamungkas Ghanang Dwi Pamungkas
“Proesedur Restrukturisasi Kredit Pemilikan Rumah Sebagai Bentuk Problem “Proesedur Restrukturisasi Kredit Pemilikan Rumah Sebagai Bentuk Problem
Solving Terhadap Tunggakan Kredit Oleh Nassabah Pada
Solving Terhadap Tunggakan Kredit Oleh Nassabah Pada Bank TabunganBank Tabungan Semarang Kantor Cabang Semarang”
Semarang Kantor Cabang Semarang”
Bank Tabungan Negara Kantor Cabang Semarang Bank Tabungan Negara Kantor Cabang Semarang
Program Studi Akuntansi S1
Program Studi Akuntansi S1 – – Fakultas Ekonomi Fakultas Ekonomi Universitas Negeri Semaranng
Universitas Negeri Semaranng Tahun 2015
Tahun 2015
Praktek Kerja Lapangan merupakan kegiatan yang wajib dilaksanakan Praktek Kerja Lapangan merupakan kegiatan yang wajib dilaksanakan untuk mahasiswa non pendidikan sesuai dengan kurikulum tahun 2013 jurusan untuk mahasiswa non pendidikan sesuai dengan kurikulum tahun 2013 jurusan Akuntansi Fakultas Ekonomi. Tujuan Pengambilan judul ini adalah untuk Akuntansi Fakultas Ekonomi. Tujuan Pengambilan judul ini adalah untuk menambah pengetahuan mahasiswa tentang Prosedur Restrukturisasi Kredit menambah pengetahuan mahasiswa tentang Prosedur Restrukturisasi Kredit Kepemilikan Rumah pada Bank Tabungan Negara Kantor Cabang Semarang. Kepemilikan Rumah pada Bank Tabungan Negara Kantor Cabang Semarang. Selain itu untuk melatih mempersiapkan diri dalam lingkungan kerja. Sedangkan Selain itu untuk melatih mempersiapkan diri dalam lingkungan kerja. Sedangkan manfaatnya adalah untuk mempererat hubungan kerja antara pihak universitas manfaatnya adalah untuk mempererat hubungan kerja antara pihak universitas dengan instansi tersebut dan mempraktekkan ilmu yang telah diajarkan di dengan instansi tersebut dan mempraktekkan ilmu yang telah diajarkan di perkuliahan.
perkuliahan.
Metode perolehan data yang digunakan dalam penulisan laporan ini yaitu Metode perolehan data yang digunakan dalam penulisan laporan ini yaitu metode interview, metode observasi dan studi
metode interview, metode observasi dan studi pustaka. Metode interview dilakukanpustaka. Metode interview dilakukan dengan wawancara langsung dengan pihak yang terkait, metode observasi dengan wawancara langsung dengan pihak yang terkait, metode observasi dilakukan dengan pengamatan langsung ke obyek peneliti dalam hal ini adalah dilakukan dengan pengamatan langsung ke obyek peneliti dalam hal ini adalah Bank Tabungan Negara Kantor cabang Semarang. Metode studi pustaka diperoleh Bank Tabungan Negara Kantor cabang Semarang. Metode studi pustaka diperoleh dengan mencari data-data melalui buku-buku atau referensi yang ada di divisi dengan mencari data-data melalui buku-buku atau referensi yang ada di divisi Consumer Collection and Remedial dan melalui website Bank Tabungan Negara. Consumer Collection and Remedial dan melalui website Bank Tabungan Negara.
Hasil yang didapat dari kegiatan Praktek Kerja Lapangan adalah Hasil yang didapat dari kegiatan Praktek Kerja Lapangan adalah mengetahui alur kerja dan tanggung jawab Divisi Consumer Collection and mengetahui alur kerja dan tanggung jawab Divisi Consumer Collection and Remidial khususnya dalam prosedur restrukturisasi kredit konsumer pada Bank Remidial khususnya dalam prosedur restrukturisasi kredit konsumer pada Bank Tabungan Negara Kantor Cabang Semarang.
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DAFTAR ISI
DAFTAR ISI
HALAMAN JUDUL HALAMAN JUDUL ... ... ii HALAMANHALAMAN PENGESAHAN PENGESAHAN ... ... iiii KATA PENGANTAR .
KATA PENGANTAR ... ... iiiiii ABSTRAK ... v ABSTRAK ... v DAFTAR ISI ...
DAFTAR ISI ... ... vivi DAFTAR
DAFTAR GAMBAR GAMBAR ... ... viiiviii DAFTAR LAMPIRAN ...
DAFTAR LAMPIRAN ... ... ixix
BAB 1
BAB 1 PENDAHULUANPENDAHULUAN 1.1
1.1 Latar Latar Belakang Belakang ... ... 11 1.2
1.2 Pengertian Praktek Pengertian Praktek Kerja Lapangan Kerja Lapangan ... ... 33 1.3
1.3 Tujuan Praktek Tujuan Praktek Kerja Lapangan ...Kerja Lapangan ... ... 33 1.4
1.4 Manfaat Praktek Kerja LManfaat Praktek Kerja Lapangan apangan ... ... 33 1.5
1.5 Metode Pengolahan Data ...Metode Pengolahan Data ... ... 44 1.6
1.6 Ruang LRuang Lingkup ingkup ... ... 55 1.7
1.7 Teknis Pelaksanaan Teknis Pelaksanaan PKL PKL ... ... 66 BAB 2 PAPARAN LAPORAN PKL
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2.1.2 Visi dan Misi Bank Tabungan Negara
2.1.2 Visi dan Misi Bank Tabungan Negara... 9... 9 2.1.3 Lokasi Instansi ...
2.1.3 Lokasi Instansi ... ... 1010 2.1.4 Struktur Organisasi ...
2.1.4 Struktur Organisasi ... ... 1010 2.2
2.2 Pekerjaan Pekerjaan Khusus Khusus ... ... 1111 2.3
2.3 Analisis Hasil Analisis Hasil Pekerjaan Pekerjaan ... ... 1212 2.3.1 Pengertian Restrukturisasi ... 12 2.3.1 Pengertian Restrukturisasi ... 12 2.3.2 Pola Restrukturisasi Kredit Konsumer
2.3.2 Pola Restrukturisasi Kredit Konsumer ... ... 1313 2.3.3 Kualitas Kredit Konsumer ...
2.3.3 Kualitas Kredit Konsumer ... ... 1616 2.3.4 Flowchart Pengajuan, Analisa dan Dokumentasi
2.3.4 Flowchart Pengajuan, Analisa dan Dokumentasi Restrukturisasi ... Restrukturisasi ... ... 2121 BAB 3 PENUTUP BAB 3 PENUTUP 3.1 3.1 Kesimpulan Kesimpulan ... ... 2727 3.2 3.2 Saran Saran ... . 2828 DAFTAR PUSTAKA DAFTAR PUSTAKA LAMPIRAN LAMPIRAN
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DAFTAR LAMPIRAN DAFTAR LAMPIRAN
Lampran 1
Lampran 1 Bagan StrukBagan Struktur Organisasi Bank tur Organisasi Bank Tabungan NegaraTabungan Negara
Lampiran 2 Bagan Struktur Organisasi Divisi CCR Bank Tabungan Negara Lampiran 2 Bagan Struktur Organisasi Divisi CCR Bank Tabungan Negara Lampiran 3 Contoh Surat Permohonan Restrukturisasi
Lampiran 3 Contoh Surat Permohonan Restrukturisasi Lampiran 4 Contoh Form Kalkulasi Kemampuan Debitur Lampiran 4 Contoh Form Kalkulasi Kemampuan Debitur
Lampiran 5 Contoh Surat Pemberitahuan Persetujuan Restrukturisasi Kredit Lampiran 5 Contoh Surat Pemberitahuan Persetujuan Restrukturisasi Kredit Lampiran 6 Laporan Kegiatan Harian
Lampiran 6 Laporan Kegiatan Harian
Lampiran 7 Surat Keterangan Telah Mengikuti Pembekalan PKL Lampiran 7 Surat Keterangan Telah Mengikuti Pembekalan PKL Lampiran 8 Surat Keterangan Magang
Lampiran 8 Surat Keterangan Magang Lampiran 9 Dokumentasi
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DAFTAR GAMBAR DAFTAR GAMBAR Gambar 1 Flowchart
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Cancel Anytime. BAB 1 BAB 1 PENDAHULUAN PENDAHULUAN 1.1.Latar Belakang PKL. 1.1.Latar Belakang PKL.
Perbankan memiliki peran yang sangat penting bagi perkembangan Perbankan memiliki peran yang sangat penting bagi perkembangan perekonomian
perekonomian Indonesia. Indonesia. Salah Salah satu satu peran peran perbankan perbankan yaitu yaitu melakukanmelakukan pembiayaan terhadap
pembiayaan terhadap kebutuhan masyarakat, kebutuhan masyarakat, kebutuhan masyarakat kebutuhan masyarakat tersebuttersebut dapat berupa kebutuhan permodalan, kebutuhan investasi, dan juga dapat berupa kebutuhan permodalan, kebutuhan investasi, dan juga kebutuhan konsumsi.
kebutuhan konsumsi. Sebagai salah satu kebutuhan utama manusia adalahSebagai salah satu kebutuhan utama manusia adalah sektor papan (perumahan) merupakan salah satu sektor bisnis menarik bagi sektor papan (perumahan) merupakan salah satu sektor bisnis menarik bagi perbankan.
perbankan. PerkembangaPerkembangan n manusia manusia yang yang semakin semakin bertambah bertambah menyebabkanmenyebabkan semakin bertambahnya kebutuhan akan perumahan, sehingga rumah
semakin bertambahnya kebutuhan akan perumahan, sehingga rumah merupakanmerupakan kebutuhan primer bagi pemenuhan kesejahteraan manusia. Namun demikian kebutuhan primer bagi pemenuhan kesejahteraan manusia. Namun demikian kebutuhan akan perumahan ini seringkali terbentur pada minimnya dana yang kebutuhan akan perumahan ini seringkali terbentur pada minimnya dana yang dimiliki oleh konsumen yang
dimiliki oleh konsumen yang mendambakan memiliki rumah sendiri. Sehinggamendambakan memiliki rumah sendiri. Sehingga pengembangan
pengembangan melalui Kredmelalui Kredit Pemilikan it Pemilikan Rumah Rumah (KPR) (KPR) dilirik sebagdilirik sebagai alternatifai alternatif utama pembiayaan perumahan.
utama pembiayaan perumahan.
Pemberian kredit yang secara otomatis berkaitan dengan kualitas kredit Pemberian kredit yang secara otomatis berkaitan dengan kualitas kredit
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2 2
tentang risiko likuiditas yang dihadapi. Risiko kredit dalam pencapaian profit tentang risiko likuiditas yang dihadapi. Risiko kredit dalam pencapaian profit serta resiko likuiditas dan profitabilitas yang menjadi suatu permasalahan serta resiko likuiditas dan profitabilitas yang menjadi suatu permasalahan tersendiri yang cukup penting untuk
tersendiri yang cukup penting untuk diperhatikan. Sehingga Bank BTN Cabangdiperhatikan. Sehingga Bank BTN Cabang Semarang sebagai badan usaha perbankan juga harus menjaga kualitas kredit Semarang sebagai badan usaha perbankan juga harus menjaga kualitas kredit dengan cara mengev
dengan cara mengevaluasi secara baik dan tepaaluasi secara baik dan tepat terhadap t terhadap kredit konsumer yangkredit konsumer yang telah diberikan kepada debiturnya.
telah diberikan kepada debiturnya.
Kualitas kredit perbankan merupakan masalah yang masih menarik Kualitas kredit perbankan merupakan masalah yang masih menarik untuk dikaji, hal ini dikarenakan dengan adanya perlambatan laju ekonomi yang untuk dikaji, hal ini dikarenakan dengan adanya perlambatan laju ekonomi yang terjadi, ini secara langsung berpengaruh kepada penerimaan debitur. Adanya terjadi, ini secara langsung berpengaruh kepada penerimaan debitur. Adanya fenomena perlambatan ekonomi dan semakin tingginya kebutuhan masyarakat fenomena perlambatan ekonomi dan semakin tingginya kebutuhan masyarakat akan Perumahan menyebabkan perbankan harus aktif mengawasi dan akan Perumahan menyebabkan perbankan harus aktif mengawasi dan mengevaluasi kredit yang telah diberikan kepada debiturnya. Perbankan harus mengevaluasi kredit yang telah diberikan kepada debiturnya. Perbankan harus pandai dalam
pandai dalam mengelola mengelola kualitas kualitas kreditnya , kreditnya , salah salah satu satu bentuk bentuk untuk untuk menjagamenjaga kualitas kredit perbankan agar tetap baik yaitu dengan cara melakukan kualitas kredit perbankan agar tetap baik yaitu dengan cara melakukan restrukturisasi kredit.
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3 3
kredit yang buruk dapat ditingkatkan kualitasnya dengan Restrukturisasi kredit yang buruk dapat ditingkatkan kualitasnya dengan Restrukturisasi Kredit. Den
Kredit. Dengan dasar ini penulis menguraikan judul “gan dasar ini penulis menguraikan judul “PROSEDURPROSEDUR RESTRUKTURISASI KREDIT PEMILIKAN RUMAH SEBAGAI RESTRUKTURISASI KREDIT PEMILIKAN RUMAH SEBAGAI BENTUK PROBLEM SOLVING TERHADAP TUNGGAKAN KREDIT BENTUK PROBLEM SOLVING TERHADAP TUNGGAKAN KREDIT OLEH
OLEH NASABAH NASABAH PADA BPADA BANK TABANK TABUNGAN UNGAN NEGARA NEGARA KANTORKANTOR CABANG SEMARANG
CABANG SEMARANG”.”.
1.2.Penger
1.2.Pengertian tian PKLPKL
Praktek Kerja Lapangan (PKL) adalah salah satu bentuk Praktek Kerja Lapangan (PKL) adalah salah satu bentuk pengintegrasian kegiatan pada
pengintegrasian kegiatan pada masyarakat dengan program pendmasyarakat dengan program pendidikan yangidikan yang dilakukan oleh mahasiswa dengan bimbingan secara terpadu antara dilakukan oleh mahasiswa dengan bimbingan secara terpadu antara pendidikan
pendidikan tinggi tinggi dan dan instansi/masyarakat instansi/masyarakat tempat tempat mahasiswa mahasiswa meakukanmeakukan kegiatan PKL.
kegiatan PKL.
1.3.Tujuan PKL 1.3.Tujuan PKL
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4 4
a)
a) Bagi PenulisBagi Penulis
Menambah wawasan dan pengetahuan mengenai teori yang diterima di Menambah wawasan dan pengetahuan mengenai teori yang diterima di kegiatan perkuliahan dengan pekerjaan di dunia kerja.
kegiatan perkuliahan dengan pekerjaan di dunia kerja. b)
b) Bagi Bank Tabungan Negara Kantor Cabang SemarangBagi Bank Tabungan Negara Kantor Cabang Semarang
Tambahan referensi bagi Bank Tabungan Negara tentang Restrukturisasi Tambahan referensi bagi Bank Tabungan Negara tentang Restrukturisasi Kredit konsumer dan terbantu dalam menyeleseikan masalah dengan adanya Kredit konsumer dan terbantu dalam menyeleseikan masalah dengan adanya mahasiswa PKL.
mahasiswa PKL. c)
c) Bagi Universtas Negeri SemarangBagi Universtas Negeri Semarang
Tambahan referensi bagi Universitas Negeri Semarang menegenai prosedur Tambahan referensi bagi Universitas Negeri Semarang menegenai prosedur Restrukturisasi k
Restrukturisasi kredit redit pada pada perbankan.perbankan.
1.5. M
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5 5
Metode pengumpulan data dilakukan dengan melakukan wawancara Metode pengumpulan data dilakukan dengan melakukan wawancara dan dokumentasi. Merode wawancara merupakan
dan dokumentasi. Merode wawancara merupakan metode pengumpulan datametode pengumpulan data dengan cara berkomunikasi langsung dengan responden, dalam hal ini dengan cara berkomunikasi langsung dengan responden, dalam hal ini wawncara dilakukan dengan tanya jawab secara langsung kepada karyawan wawncara dilakukan dengan tanya jawab secara langsung kepada karyawan Bank BTN bagian Consumer Collecting and Remidial
Bank BTN bagian Consumer Collecting and Remidial Division.Division.
Dokumentasi merupakan catatan peristiwa yang terjadi dann sudah Dokumentasi merupakan catatan peristiwa yang terjadi dann sudah berlalu,
berlalu, dokumen dokumen tersebut bisa tersebut bisa berupa berupa tulisan gambar tulisan gambar atau karyatau karya moa monumentalnumental seseorang. Dalam ini pendokumentasian dilakukan dengan meminta data seseorang. Dalam ini pendokumentasian dilakukan dengan meminta data struktur organisasi pada divisi General Administrasi pada Bank BTN dan file struktur organisasi pada divisi General Administrasi pada Bank BTN dan file berupa
berupa alur alur dan dan proses proses restrukturisasi restrukturisasi pada pada divisi divisi CCRD CCRD Bank Bank TabunganTabungan Negara.
Negara.
1.6. Ruang Lingkup 1.6. Ruang Lingkup
Ruang lingkup pada penelitian ini dibagi menjadi dua bagian, yaitu: Ruang lingkup pada penelitian ini dibagi menjadi dua bagian, yaitu:
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6 6
1.7.
1.7. Teknis PelaksanaanTeknis Pelaksanaan
Pelaksanaaan Prakter Kerja Lapangan dilakukan di Kantor PT. Bank Pelaksanaaan Prakter Kerja Lapangan dilakukan di Kantor PT. Bank Tabungan Negara Tbk. (Persero) Cabang Semarang. Dalam pelaksanaan Tabungan Negara Tbk. (Persero) Cabang Semarang. Dalam pelaksanaan PKL penulis ditempatkan di Consumer Collection and Rimidial Division. PKL penulis ditempatkan di Consumer Collection and Rimidial Division. PKL dilaksanakan pada tanggal 26 Oktober hingga 18
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Cancel Anytime. BAB II BAB II PAPARAN LAPORAN PAPARAN LAPORAN 2.1
2.1 Pekerjaan UmumPekerjaan Umum
2.1.1
2.1.1 Sejarah Bank Tabungan NegaraSejarah Bank Tabungan Negara
Pada tanggal 16 oktober 1897 pemerintah Hindia Belanda melalui Pada tanggal 16 oktober 1897 pemerintah Hindia Belanda melalui
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8 8
Tahun 1942 tentara Jepang berhasil masuk ke Indonesia dan Tahun 1942 tentara Jepang berhasil masuk ke Indonesia dan menyebabkan pemerintahan Hindia Belanda menyerah tanpa syarat terhadap menyebabkan pemerintahan Hindia Belanda menyerah tanpa syarat terhadap pemerintah
pemerintah Jepang. Jepang. Pada Pada masa masa itu itu segala segala macam macam aspek aspek sistem sistem HindiaHindia Belanda dirubah oleh pemerintahan Jepang, begitu pua dengan pembekuan Belanda dirubah oleh pemerintahan Jepang, begitu pua dengan pembekuan Postpaarbank yang kemudian digantikan oleh Tyokin Kyoku. Usaha Postpaarbank yang kemudian digantikan oleh Tyokin Kyoku. Usaha pemerintahan
pemerintahan Jepang Jepang mendirikan mendirikan Tyokin Tyokin Kyoku Kyoku ini ini gagal gagal dikarenakandikarenakan masyarakat merasakan aadanya paksaan untuk mendepositokan uangnya masyarakat merasakan aadanya paksaan untuk mendepositokan uangnya pada Tyokin Ky
pada Tyokin Kyoku.oku.
Setelah Indonesia memprolamirkan kemerdekaannya, Tyokin Kyoku Setelah Indonesia memprolamirkan kemerdekaannya, Tyokin Kyoku diambil alih oleh pemerintahan Indonesia dan dirubah namanya menjadi diambil alih oleh pemerintahan Indonesia dan dirubah namanya menjadi
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9 9
Penegasan status Bank Tabungan Negara sebagai Bank milik negara Penegasan status Bank Tabungan Negara sebagai Bank milik negara ditetapka
ditetapka dengan Udengan UU No. U No. 20 Tah20 Tahun 196un 1968 y8 yang sebelummnyang sebelummnya Banka Bank Tabungan
Tabungan Negara menjadi BNI Negara menjadi BNI unit V. unit V. Jika tugas uJika tugas utama saat tama saat pendirianpendirian Postpaarbank (1897) sampai dengan Bank Tabungan Negara (1968) adalah Postpaarbank (1897) sampai dengan Bank Tabungan Negara (1968) adalah bergerak
bergerak dalam pdalam penghimpunan enghimpunan dana dana masyarakat melalui masyarakat melalui tabunga, tabunga, maka maka sejaksejak tahun 1974
tahun 1974 Bank TabuBank Tabungan ngan Negara ditambah Negara ditambah tugasnya yaitu membtugasnya yaitu memberikanerikan pelayanan
pelayanan KPR KPR ( ( Kredit Kredit Kepemilikan Kepemilikan Rumah Rumah ) ) dan dan untuk untuk pertama pertama kalinyakalinya penyaluran KPR terjadi pada tanggal 10 Desember 1976, karena itula
penyaluran KPR terjadi pada tanggal 10 Desember 1976, karena itula setiapsetiap tanggal 10 Desember diperingati sebagai hari KPR bagi BTN. Hingga saat tanggal 10 Desember diperingati sebagai hari KPR bagi BTN. Hingga saat ini perkembangan Bank BTN sangat baik dengan memil
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10 10
c.
c. Menyiapkan dan mengembangkan Human Capital yang berkualitas,Menyiapkan dan mengembangkan Human Capital yang berkualitas, profesional, dan memiliki integrtas yang tinggi.
profesional, dan memiliki integrtas yang tinggi. d.
d. Melaksanakan menejemen perbankan sesuai dengan prinsip kehatiMelaksanakan menejemen perbankan sesuai dengan prinsip kehati – – hatian dan Good Corporate Governence untuk meningkatkan Shareh Holder hatian dan Good Corporate Governence untuk meningkatkan Shareh Holder Value.
Value.
2.1.3
2.1.3 Lokasi InstansiLokasi Instansi
Kantor Bank Tabungan Negara Kantor Cabang Semarang terletak pada Kantor Bank Tabungan Negara Kantor Cabang Semarang terletak pada Jl. M.T. Haryono 717, Semarang.
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11 11
2.2
2.2 Pekerjaan KhususPekerjaan Khusus
Pelaksanaan Praktek Kerja Lapangan (PKL) dilaksanakan pada ta
Pelaksanaan Praktek Kerja Lapangan (PKL) dilaksanakan pada ta nggalnggal 26 Oktober hingga 18 Desember 2015. Untuk rincian waktu pelaksanaan 26 Oktober hingga 18 Desember 2015. Untuk rincian waktu pelaksanaan PKL yaitu senin hingga jumat, pukul 07.30
PKL yaitu senin hingga jumat, pukul 07.30 – – 16.30. Awal masuk penulis 16.30. Awal masuk penulis ditempatkan pada bagian Credit Consumer and Remedial (CCRD). CCRD ditempatkan pada bagian Credit Consumer and Remedial (CCRD). CCRD Merupakan unit khusus yang di bentuk oleh Bank Tabungan Negara untuk Merupakan unit khusus yang di bentuk oleh Bank Tabungan Negara untuk menangani kredit bermasalah, divisi ini bertanggung jawab atas kualitas menangani kredit bermasalah, divisi ini bertanggung jawab atas kualitas kredit yang diberikan kepada debitur. Dalam memelihara kualitas kredit kredit yang diberikan kepada debitur. Dalam memelihara kualitas kredit Bank BTN Cabang Semarang Consumer Collection and Remedial Division Bank BTN Cabang Semarang Consumer Collection and Remedial Division memiliki beberapa cara, mulai dari pembinaan debitur dengan melakukan memiliki beberapa cara, mulai dari pembinaan debitur dengan melakukan
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12 12
penurunan kualitas
penurunan kualitas selama selama periode pembayaran. periode pembayaran. Tugas Staff Tugas Staff restrukturisasirestrukturisasi antara lain :
antara lain : a.
a. Memeriksa surat permohonan restrukturisasi dari deitur yang diberikanMemeriksa surat permohonan restrukturisasi dari deitur yang diberikan oleh
oleh Area Collection. Area Collection. b.
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13 13
angsuran, jangka waktu, bunga dan lain sebagainya yang berhubungan angsuran, jangka waktu, bunga dan lain sebagainya yang berhubungan dengan pola restrukturisasi.
dengan pola restrukturisasi.
2.3.2
2.3.2 Pola Retrukturisasi Kredit KonsumerPola Retrukturisasi Kredit Konsumer
Dalam memberikan Restrukturisasi Bank hanya dapat melakukan Dalam memberikan Restrukturisasi Bank hanya dapat melakukan
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14 14
angsuran yang adadijadwalkan kembali, sehingga debitur memiliki
angsuran yang adadijadwalkan kembali, sehingga debitur memiliki dua jenisdua jenis angsuran yakni angsuran reguler dan angsuran
angsuran yakni angsuran reguler dan angsuran atas tunggakannya.atas tunggakannya.
Pada pelaksanaan PUSP tunggakan bunga dan denda harus dilunasi Pada pelaksanaan PUSP tunggakan bunga dan denda harus dilunasi terlebih dahulu, sedangkan pada pelaksanaan PUST harus melunasi terlebih dahulu, sedangkan pada pelaksanaan PUST harus melunasi dendanya terlebih dahulu. Namun kebijakan dalam pemberian Pola dendanya terlebih dahulu. Namun kebijakan dalam pemberian Pola
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15 15
kantor pusat dan disertai dengan data-data pendukung, seperti ; lokasi kantor pusat dan disertai dengan data-data pendukung, seperti ; lokasi agunan, jumlah debitur, permasalahan yang dihadapi ebitur jumlah agunan, jumlah debitur, permasalahan yang dihadapi ebitur jumlah kewajiban dabitur, dan pengaruh
kewajiban dabitur, dan pengaruh grace period grace period terhadap kinerja cabang.terhadap kinerja cabang. Pada saat berakhirnya masa
Pada saat berakhirnya masa grace period grace period terhadap akumulasi angsuranterhadap akumulasi angsuran yang ditunda dilakukan pembayaran dengn
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16 16
d.
d. Pengurangan Tuggakan Pokok KreditPengurangan Tuggakan Pokok Kredit
Merupakan keringanan yang diberikan kepada Debitur berupa Merupakan keringanan yang diberikan kepada Debitur berupa pengurangan
pengurangan pokok pokok kredit, kredit, sehingga sehingga debitur debitur membayar membayar tuggakan tuggakan pokokpokok kredit lebih
kredit lebih kecil dari tuggakan pokecil dari tuggakan pokok kredit yang kok kredit yang seharusnya dibayar. Polaseharusnya dibayar. Pola restrukturisasi ini dapat diberlakukan apabila debitur
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17 17
a.
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18 18
bahwa
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19 19
untuk kredit yang tergolong Kurang Lancar dan Dalam Perhatian untuk kredit yang tergolong Kurang Lancar dan Dalam Perhatian