ANALYSIS OF RESTRUCTURING CREDIT FOR COMMERCIAL SEGMENT (CASE STUDY: COMMERCIAL RISK BANDUNG – BANK HORIZON)

Abstract

The purpose of this research is to analyze the performance of credit restructuring in the Commercial Segment of Bank Horizon in Commercial Risk Region Bandung. Region Bandung is included in the province of West Java with rank 4th of largest total Non-Performing Loan (NPL).1 All over Indonesia. This study will examine the successes and failures in restructuring with different parameters to find out the success of restructuring by knowing which restructuring methods are most effective with the parameters of total outstanding, an average of Impairment Loss Reserves (CKPN)2, Sustainability and Low Risk, while to examine failures in credit restructuring will be found out which factors are most influential with parameters Total Outstanding Non-Performing Loan (NPL), Sustainability or frequency occurred and High Risk. This research uses data analysis and qualitative methods, and for the objective result using Analytical Hierarchy Process (AHP) method with Super Decision Version 2.10 software. The results showed that the most effective restructuring method in the credit process is the rescheduling method, with an impact of 38.4%. At the same time, the results of research for the primary causal factor in the failure of restructuring is factored no willingness to pay with an impact of 41.6%.