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"Tantangan yang sering dihadapi pada pemberian kredit tanpa agunan untuk usaha kecil adalah penyeleksian calon debitur, di mana usaha kecil umumnya belum memiliki laporan keuangan seperti halnya perusahaan yang sudah berskala besar. Hal ini juga dialami oleh salah satu bank swasta asing terbesar untuk usaha kecil di Indonesia yang memiliki jumlah kredit macet yang cukup tinggi dibandingkan dengan rata-rata industri, sehingga perlu dievaluasi penyebab kegagalan produk agar dapat diperbaiki ke depannya. Pada penelitian ini dilakukan analisis kegagalan kredit tanpa agunan untuk usaha kecil dilihat dari segi requirement spesifikasi calon debitur, seleksi calon debitur, dan penagihan. Metode TOPSIS digunakan untuk membandingkan hasil akhir seleksi berdasarkan variabel¬variabel yang dirasa penting bagi bank dalam penyeleksian calon debiturnya.

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The challenge often faced in providing unsecured loans for small business is the selection of borrowers, in which small businesses generally do not have financial statements as companies that have a large scale and well established. This case has also been experienced by one of the largest multinational private bank in Indonesia which had a number of bad loans that was a much higher compared to the industry's average. Therefore, this research wanted to evaluate the cause of the failure of the business installment product so that can be improved in the future. In this research, failure analysis of unsecured loan for small businesses will be discussed in terms of specification requirements of borrowers, the selection of borrowers, and billing. TOPSIS method is used to compare the end result of selection based on variables that are important for banks in the selection of borrowers."

"Bank sebagai lembaga intermediasi dalam memberikan kredit wajib berpedoman pada prinsip pemberian kredit seperti 5C, 5P dan sebagainya yang merupakan penerapan dari prinsip perbankan mengenai kehati-hatian, kepercayaan dan mengenal nasabah. Walaupun proses tersebut telah dijelani tetapi terdapat beberapa kredit bermasalah dimana selanjutnya dapat dilakukan penyelesaian kredit melalui lelang eksekusi hak tanggungan, seperti dalam putusan Pengadilan Negeri Banda Aceh Nomor 39/Pdt.G/2013/PN.BNA antara Tn. I dan PT. Bank X Tbk serta KPKNL Banda Aceh. Adapun pokok permasalahan yaitu bagiamana peraturan perundang-undangan mengatur mengenai proses penyelesaian kredit bermasalah khsusunya melalui mekanisme lelang eksekusi hak tanggungan dan bagaimana kesesuaian lelang eksekusi hak tanggungan yang dilakukan oleh PT. Bank X Tbk dalam putusan Pengadilan Banda Aceh tersebut. Metode penelitian yang dipergunakan yaitu yuridis normative. Dapat disimpulkan bahwa peraturan perundang-undangan yang mengatur mengenai penyelesaian kredit bermasalah melalui lelang yaitu Peraturan Menteri Keuangan Nomor 93/PMK.06/2010 sebagaimana dirubah dengan Peraturan Menteri Keuangan Nomor 106/PMK.06/2013, disamping peraturan internal PT. Bank X Tbk untuk beberapa hal dan tepat putusan hakim terkait dalam putusan Pengadilan Negeri Banda Aceh Nomor 39/Pdt.G/2013/PN.BNA tersebut.

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Bank as an intermediary in providing the credit shall be guided by the principles of lending such as 5C, 5P and so on which is the application of the principles concerning prudential banking, trust and get to know the customers. Although the process has been dijelani but there are a few problem loans which can then be carried out settlement of loans through an auction execution encumbrance, as in the Banda Aceh District Court decision No. 39/Pdt.G/2013/PN.BNA between Mr. I and PT. Bank X Tbk and KPKNL Banda Aceh. As for the subject matter that is how North of legislation regulating the process of resolving problem loans through an auction mechanism khsusunya execution of mortgage and how the suitability of the execution of mortgage auction conducted by PT. Bank X Tbk in Banda Aceh the Court's decision. The research method used is the juridical normative. It can be concluded that the legislation regulating the settlement of non-performing loans through auctions that Minister of Finance Regulation No. 93/PMK.06/2010 as amended by the Minister of Finance Regulation No. 106/PMK.06/2013, in addition to internal regulations PT. Bank X Tbk for some things and right verdict related to the Banda Aceh District Court decision No. 39/Pdt.G/2013/PN.BNA."