ABSTRACTThis Research used normative juridical methode
with secondary data as its data resources, were
obtained by study document. The problems were how
distinguished between Normal Non Performing Loan
(NPL) and Criminal Non Performing Loan (NPL) and how
determined bank director responsibility on Normal
Non Performing Loan (NPL) and Criminal Non
Performing Loan (NPL). From the result, can be
concluded that ; first, Normal Non Performing Loan
(NPL) was Non Performing Loan (NPL) wasn't caused by
bad will from bank and debtor, but Criminal Non
Performing Loan (NPL) was Non Performing Loan (NPL)
was caused by bad will from bank and debtor. Second,
on Normal Non Performing Loan (NPL) , bank director
could justified as civil, but on Criminal Non
Performing Loan (NPL), bank director could justified
as criminal.
