IMPLEMENTATION OF COLLECTION OF NAD LOANS THROUGH AUCTION ON LIABILITY RIGHTS AS GUARANTEE IN PT. BPD SUMATERA BARAT

Basically, the granting of credit facilities can be done by anyone, as long person concerned has ability to do so, through a loan agreement between lender (creditor on one hand) and recipient (debtor other). However, in practice, debtor always agrees creditor even though interest is very high. In order guarantee interests bank, required provide guarantee/collateral bank PT. BPD West Sumatra banks that implement auctions way resolving non-performing loans. The Bank will submit an auction executed State Property Auction Service Office (KPKNL). So procedure for settling bad loans at example Nagari Payakumbuh Branch complied with other banking regulations guided Regulation Minister Finance particular Article 6 20, well No. 106/PMK.06/2013 concerning Amendments 93/PMK.06/2010 Instructions Implementation Auctions, object Collateral processed collateral been installed Mortgage Assets