ANALISIS PEMBIAYAAN BERMASALAH DAN UPAYA PENANGANANNYA PADA PT. BPRS MARGARIZKI BAHAGIA YOGYAKARTA (STUDI PENDEKATAN SOSIOLOGI INTERAKSI SIMBOLIK)
AFRIKA, SITI NUR
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This study aims to find: (1) the factors of the problematic finance found in PT. BPRS Margarizki Bahagia and (2) to figure out the efforts administered by PT. BPRS Margarizki Bahagia in resolving the problematic finance. The type of this study was field research with qualitative approach. The data gathering technique was using triangulation method (observation, interview and library study). The interview was conducted to 9 respondents (3 staff and 6 finance customers from PT. BPRS Margarizki Bahagia), while the data analysis was using descriptive analysis. The collected data would then be classified, examined and compiled immaculately. The result would be presented in the form of narrative text in order to generate final conclusion from this study. Result shows that (1) the factors of the problematic finance found in PT. BPRS Margarizki Bahagia involve the customers’ declining business, the customers’ inappropriate financial management, and force majeure. (2) The efforts administered by PT. BPRS Margarizki Bahagia in resolving the problematic finance are done by implementing the principle of win-win solution as well as by implementing a bottom up process familial approach, which is categorized into 3 stages: preventive stage with management and supervision, finance revitalization stage with 3 Rs (rescheduling, restructuring, reconditioning) and resolution stage with collateral sale.