Abstract:
Abstract.This article discusses the socialization of provisions on bad
credit from the perspective of creditor risk on collateral that does not
belong to the debtor in Mojokerto City. This research was conducted
through strategic steps including identifying community needs,
developing informative socialization materials, and implementing
educational activities. The results of the survey and interviews showed
low public understanding of creditor risk and the importance of valid
collateral. The socialization program designed with simple language
and educational materials such as brochures and short videos
succeeded in increasing public awareness. Evaluation through focus
group discussions (FGD) revealed the need to increase interaction
and consistency in socialization. In addition, supporting studies
showed the importance of supervision, coaching, and prevention
efforts to overcome bad credit. With suggestions to increase the
frequency of socialization programs, utilize social media, and involve
banking practitioners and legal experts, it is hoped that it can increase
public understanding and reduce the number of bad credit, as well as
support financial stability in Mojokerto City.
