Definition Of Non Performing Loan (NPL)

According Siamat (2005:358):
"Non-Performing Loan or bad debts, often called can be defined as a loan repayment difficulties as a result of deliberate action and the factors or due to external factors beyond control of the debtor".

This ratio shows the bank management's ability to manage problem loans given by banks. That is, the higher this ratio the more the worse the quality of bank loans that caused the amount of bad debts, the greater the chances of a troubled bank in a growing condition of the harm done by bad credit returns.
If the credit associated with the level of collectibility, it is classified as non performing loans are loans that have the quality of special concern (special mention), less smooth (substandard), doubtful (Doubtful), and the bad (loss).

Tag : Personal Loan Performing, understanding NPL, personal loan process

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