Abstract

The method used in this study is a normative juridical approach supported by empirical jurisdiction, because in addition to using secondary data as a reference, the authors also conducted research on primary data in the field as a reference in finding answers. The results of this study finally provide the answer that the implementation of debtor loan restructuring in a bank as an effort to avoid the occurrence of bad credit at the Bank can be achieved by reducing loan interest rates, extending credit / rescheduling period, reducing loan interest arrears, reducing loan principal arrears, the adition of credit facilities, conversion of credit into temporary capital participation, postponement of payment of the credit period and combination of credit. In adition, the Notary’s authority in the implementation of debtor loan restructuring as an effort to save bad credit is to make an act authentic deed which is the basis of legitimate rights as the legal basis for the transfer of a guarantee belonging to the debtor to the bank legally.