PROBLEMATIKA PENANGANAN KREDIT MACET Dl PERBANKAN PEMERINTAH

Pujiyono Pujiyono

Abstract

Thepurpose ofthis research isperceivinghowtohandle credit distraction as criminalriskongovern mentbank, andhow to solve theproblematic of credit distraction as criminal risk on government bank. The result of this research on handling of credit distraction as criminal riskon government bank,
consists of: first, theprocess of credit is observedby internal supervisor unit (SPI), Bank of Indonesia (Bl) as central bank, andSupervisorBody ofFinancial (BPK). Second, thedimension courseofcredithas beendonerefer toguidance book, procedureandoperationalstandard, itscanalso bejustifiedadministra tivelyalthough there is loss consequence/hence that represented business risk. Third, ifcredit distraction is caused by criminal, the bankofficer is only processed based on administrative sanction. The main problem inhandling credit distraction as criminal risk ongovernment bankcontains:first, theoverlapping in handling creditdistraction; second, the difference of intepretation and incoherent rulebetween credit distraction thathappened because business riskand criminal risk, and third, the excistence ofconvption
element.

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