Implementation of Debtor Transfer

Oct 13, 2025 by miodeya.com 75 views

Introduction

PT. Bank Mandiri Tbk (Persero) Pekanbaru Credit Operation Division, as one of the state-owned banks, plays a vital role in collecting public funds through savings and channeling them again in the form of credit to encourage economic growth. However, in lending, the risk of bad credit (NPL) is an inevitable challenge. To minimize NPLs, PT. Bank Mandiri Tbk (Persero) Pekanbaru Credit Operation Division implements a restructuring strategy, one of which is through debtor transfer. This study aims to explore the practice of debtor transfer as an alternative to completing problem loans at PT. Bank Mandiri Tbk (Persero) Pekanbaru Credit Operation Division.

Background of the Study

The practice of transfer of debtors is still rarely applied, only once a year, while bad credit appears every year. This study uses empirical juridical methods, namely by collecting data from primary and secondary legal documents, as well as field studies through interviews. Data were analyzed qualitatively and conclusions were drawn through inductive and deductive logic methods. The study aims to provide insights into the practice of debtor transfer and its benefits for all parties involved.

Methodology

The study employed a qualitative approach, collecting data from primary and secondary legal documents, as well as field studies through interviews. The data were analyzed qualitatively, and conclusions were drawn through inductive and deductive logic methods. The study aimed to provide a comprehensive understanding of the practice of debtor transfer and its benefits for all parties involved.

Results

The results showed that PT. Bank Mandiri Tbk (Persero) Credit Operation Division Pekanbaru chose to apply debtors when new debtors have better capabilities than old debtors, both in terms of productivity, legality, and character. This debtor transfer provides benefits for all parties, including old debtors, new debtors, and banks. The process of implementing debtor transfer involves several stages, namely: Preparation of the debtor transfer process, credit assessment, credit decisions, and implementation and administration of the debtor transfer process.

Implementation of Debtor Transfer

The process of implementing debtor transfer involves several stages, namely:

Preparation of the debtor transfer process: This stage involves preparing the necessary documents and procedures for the transfer of debtors.
Credit assessment: This stage involves assessing the creditworthiness of the new debtor candidate.
Credit decisions: This stage involves making a decision on whether to transfer the debtor to the new debtor candidate.
Implementation and administration of the debtor transfer process: This stage involves implementing the transfer of debtors and administering the process.

Legal Consequences

The process of implementing debtor transfer has legal consequences, both in terms of credit/debt agreements and in terms of transfer of guarantees. The transfer of debtors must be done in accordance with the applicable laws and regulations.

Recommendations

Based on the results of the study, it is recommended that banks apply debtors for debtors who do not have good intentions and poor business prospects. The bank must look for a new debtor candidate who meets the requirements, given the main motivation of the new debtor candidate in the transfer of debtors is generally to get a guarantee object in the credit agreement charged to the old debtor.

Conclusion

The transfer of debtors is one of the effective methods in dealing with bad loans, known as passive subjective novasi. The application of this strategy precisely and structured will help Bank Mandiri in minimizing the risk of bad credit and achieving its business goals. The study provides insights into the practice of debtor transfer and its benefits for all parties involved.

Limitations of the Study

The study has several limitations, including:

Limited scope: The study only focuses on PT. Bank Mandiri Tbk (Persero) Pekanbaru Credit Operation Division.
Limited data: The study only collects data from primary and secondary legal documents, as well as field studies through interviews.
Limited analysis: The study only analyzes the data qualitatively.

Future Research Directions

Future research directions include:

Extending the scope: The study can be extended to other banks and financial institutions.
Collecting more data: The study can collect more data from other sources, such as financial reports and industry publications.
Analyzing the data quantitatively: The study can analyze the data quantitatively to provide more insights into the practice of debtor transfer.

Conclusion

In conclusion, the transfer of debtors is an effective method in dealing with bad loans. The application of this strategy precisely and structured will help Bank Mandiri in minimizing the risk of bad credit and achieving its business goals. The study provides insights into the practice of debtor transfer and its benefits for all parties involved.

Q: What is debtor transfer?

A: Debtor transfer is a process where a bank transfers a debtor's loan to a new debtor candidate. This process involves several stages, including preparation of the debtor transfer process, credit assessment, credit decisions, and implementation and administration of the debtor transfer process.

Q: Why is debtor transfer used as an alternative to completing problem loans?

A: Debtor transfer is used as an alternative to completing problem loans because it provides benefits for all parties involved, including old debtors, new debtors, and banks. The process of implementing debtor transfer has legal consequences, both in terms of credit/debt agreements and in terms of transfer of guarantees.

Q: What are the benefits of debtor transfer?

A: The benefits of debtor transfer include:

Reducing the risk of bad credit: Debtor transfer helps to minimize the risk of bad credit by transferring the loan to a new debtor candidate who has better capabilities than the old debtor.
Increasing the chances of loan repayment: Debtor transfer increases the chances of loan repayment by transferring the loan to a new debtor candidate who has a better credit history.
Providing benefits for all parties involved: Debtor transfer provides benefits for all parties involved, including old debtors, new debtors, and banks.

Q: What are the stages involved in implementing debtor transfer?

A: The stages involved in implementing debtor transfer include:

Preparation of the debtor transfer process: This stage involves preparing the necessary documents and procedures for the transfer of debtors.
Credit assessment: This stage involves assessing the creditworthiness of the new debtor candidate.
Credit decisions: This stage involves making a decision on whether to transfer the debtor to the new debtor candidate.
Implementation and administration of the debtor transfer process: This stage involves implementing the transfer of debtors and administering the process.

Q: What are the legal consequences of debtor transfer?

A: The process of implementing debtor transfer has legal consequences, both in terms of credit/debt agreements and in terms of transfer of guarantees. The transfer of debtors must be done in accordance with the applicable laws and regulations.

Q: What are the recommendations for banks to apply debtor transfer?

A: Based on the results of the study, it is recommended that banks apply debtors for debtors who do not have good intentions and poor business prospects. The bank must look for a new debtor candidate who meets the requirements, given the main motivation of the new debtor candidate in the transfer of debtors is generally to get a guarantee object in the credit agreement charged to the old debtor.

Q: What are the limitations of the study?

A: The study has several limitations, including:

Limited scope: The study only focuses on PT. Bank Mandiri Tbk (Persero) Pekanbaru Credit Operation Division.
Limited data: The study only collects data from primary and secondary legal documents, as well as field studies through interviews.
Limited analysis: The study only analyzes the data qualitatively.

Q: What are the future research directions?

A: Future research directions include:

Extending the scope: The study can be extended to other banks and financial institutions.
Collecting more data: The study can collect more data from other sources, such as financial reports and industry publications.
Analyzing the data quantitatively: The study can analyze the data quantitatively to provide more insights into the practice of debtor transfer.

Q: What is the conclusion of the study?

A: In conclusion, the transfer of debtors is an effective method in dealing with bad loans. The application of this strategy precisely and structured will help Bank Mandiri in minimizing the risk of bad credit and achieving its business goals. The study provides insights into the practice of debtor transfer and its benefits for all parties involved.