Key Factors in Implementing the Policy

Oct 13, 2025 by magicalceylontours.com 98 views

Introduction

Problem loans are a complex issue for banks, both government and private banks. When restructuring efforts such as rescheduling, reconditioning, and confiscation of collateral failure, bad loans emerge. In this context, bank management needs to take strategic steps to solve the problem. One of the solutions taken is through the policy of removing books and deleting bills, which aims to reduce the ratio of non-performance loans (NPLs) and improve the level of bank health. This study focuses on two different banks, namely PT. Bank Sumut Tbk and PT. Bank Mega Syariah Tbk, to examine the implementation of this policy and its impact on the banks.

Background

Problem loans are a significant concern for banks, as they can lead to financial losses and damage to the bank's reputation. The Indonesian banking industry has experienced a significant increase in problem loans in recent years, with the ratio of non-performing loans (NPLs) reaching 3.4% in 2020. To address this issue, banks have implemented various strategies, including the policy of removing books and deleting bills. This policy aims to reduce the ratio of NPLs and improve the level of bank health by removing problematic loans from the bank's balance sheet.

Criteria and Mechanisms for Implementing Books and Delete Books

The implementation of book delete and delete bills at PT. Bank Sumut Tbk and PT. Bank Mega Syariah Tbk must meet the criteria set in PBI No.14/15/PBI/2012. In addition, each bank also sets special criteria in their internal policies. These criteria include factors such as force majeur, debtors who experience bankruptcy, and debtor who escapes. The mechanism for implementing the policy of removing books and deleting bills in government banks is carried out through the Center for State Debt (PUPN). However, at present, the process has been switched to a corporate mechanism that depends on the approval of the bank's directors and their respective internal policies. This also applies to private banks.

Key Factors in Implementing the Policy

Force Majeur: This refers to circumstances beyond the control of the bank or the debtor, such as natural disasters or economic crises.
Bankruptcy: This refers to the debtor's inability to pay their debts, which can lead to the bank's loss of assets.
Debtor Escape: This refers to the debtor's failure to pay their debts, which can lead to the bank's loss of assets.

The Legal Impact of the Policy of Removing Books and Deleting Bills

One of the significant impacts of the implementation of this policy is the reduced profit of the company. When the problematic credit is deleted, the bank can no longer earn income from interest that should be obtained. In addition, bank employees will face a higher workload in collecting deleted debts, while the customers involved can be included in the Bank Indonesia black list, which in turn can affect the image of the bank in the public eye.

Consequences of Implementing the Policy

Reduced Profit: The deletion of problematic loans can lead to a reduction in the bank's profit, as the bank can no longer earn income from interest.
Increased Workload: Bank employees will face a higher workload in collecting deleted debts, which can lead to increased costs and reduced productivity.
Damage to Reputation: The inclusion of customers in the Bank Indonesia black list can damage the bank's reputation and lead to a loss of customer trust.

Conclusion

In an effort to complete problem loans, banks like PT. Bank Sumut Tbk and PT. Bank Mega Syariah Tbk needs to implement a policy to delete books and delete collectors carefully. Clear criteria and transparent mechanisms are very important in maintaining the health of the bank and preventing bad loans. By focusing attention on prevention, banks can create a healthier and sustainable banking ecosystem.

Recommendations for Banks

Establish Clear Criteria: Banks should establish clear criteria for implementing the policy of removing books and deleting bills, including factors such as force majeur, bankruptcy, and debtor escape.
Implement Transparent Mechanisms: Banks should implement transparent mechanisms for implementing the policy, including regular reporting and monitoring of the process.
Focus on Prevention: Banks should focus on prevention, rather than cure, by implementing strategies to prevent bad loans from emerging in the first place.

Q: What is the policy of removing books and deleting bills?

A: The policy of removing books and deleting bills is a strategy implemented by banks to reduce the ratio of non-performance loans (NPLs) and improve the level of bank health. This policy involves removing problematic loans from the bank's balance sheet by deleting them from the bank's records.

Q: What are the criteria for implementing the policy of removing books and deleting bills?

A: The criteria for implementing the policy of removing books and deleting bills include factors such as force majeur, debtors who experience bankruptcy, and debtor who escapes. Each bank also sets special criteria in their internal policies.

Q: How does the policy of removing books and deleting bills affect the bank's profit?

A: The deletion of problematic loans can lead to a reduction in the bank's profit, as the bank can no longer earn income from interest.

Q: What are the consequences of implementing the policy of removing books and deleting bills?

A: The consequences of implementing the policy of removing books and deleting bills include reduced profit, increased workload for bank employees, and damage to the bank's reputation.

Q: How can banks prevent bad loans from emerging in the first place?

A: Banks can prevent bad loans from emerging in the first place by implementing strategies such as credit risk assessment, credit scoring, and credit monitoring.

Q: What is the role of Bank Indonesia in the implementation of the policy of removing books and deleting bills?

A: Bank Indonesia plays a significant role in the implementation of the policy of removing books and deleting bills, as it is responsible for supervising and regulating the banking industry in Indonesia.

Q: What is the impact of the policy of removing books and deleting bills on the bank's customers?

A: The policy of removing books and deleting bills can have a negative impact on the bank's customers, as they may be included in the Bank Indonesia black list, which can damage their credit score and make it difficult for them to obtain credit in the future.

Q: How can banks ensure that the policy of removing books and deleting bills is implemented fairly and transparently?

A: Banks can ensure that the policy of removing books and deleting bills is implemented fairly and transparently by establishing clear criteria and mechanisms for implementing the policy, and by regularly reporting and monitoring the process.

Q: What are the benefits of implementing the policy of removing books and deleting bills?

A: The benefits of implementing the policy of removing books and deleting bills include reduced NPLs, improved bank health, and increased transparency and accountability in the banking industry.

Q: How can banks balance the need to reduce NPLs with the need to protect the interests of their customers?

A: Banks can balance the need to reduce NPLs with the need to protect the interests of their customers by implementing strategies such as credit risk assessment, credit scoring, and credit monitoring, and by providing clear and transparent information to their customers about the policy of removing books and deleting bills.