HIJRATUNNISA, HIJRATUNNISA (2020) LAPORAN TUGAS AKHIR SISTEM PENGENDALIAN KREDIT DALAM MEMPERTAHANKAN LIKUIDITAS BANK DI PD. BPR SERANG CABANG CINANGKA. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Bank adalah badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan yaitu berupa giro, tabungan, dan deposito dan menyalurkan ke masyarakat dalam bentuk kredit atau bentuk lainnya dalam rangka meningkatkantaraf hidup rakyat. Bank Perkreditan Rakyat atau yang sering disebut (BPR) merupakan bank yang melaksanakan serta melakukan kegiatan usahanya dengancara konvensional atau berdasarkan prinsip syariah, yang dimana dalamkegiatannya tidak di ijinkan atau tidak bisa memberikan jasa dalam lalulintas pembayaran seperti pembayaran giro. Dan bisa diartikan bahwa kegiatan bank perkreditan rakyat atau (BPR) jauh lebih sempit jika dibandingkan dengan kegiatan yang dijalankan oleh bank umum karena bank perkreditan rakyat tidak di ijinkan atau diperkenankan melakukan jasa dalam lalulintas pembayaran. Sebagai lembaga keuangan PD. BPR Serang Cabang Cinangka, dalam kegiatan sehari-hariberperan sebagai lembaga keuangan yang tidak pernah lepas dari masalah kredit ataupun pembiayaan, bahkan pemberian kredit merupakan kegiatan utamanya.Tetapi pemberian kredit tidak selalu berjalan dengan lancar dan baik seperti yang diharapkan. Tujuan dari penulisan ini untuk mengetahui sistem pengendalian kredit padaPD. BPR Serang Cabang Cinangka dan bagaimana likuiditas pada PD. BPRSerang Cabang Cinangka. Metode penulisan ini yang digunakan adalah denganteknik wawancara hasil dari penulisan ini menunjukan bahwa Berdasrkan hasilperhitungan rasio keuangan bank QR PD. BPR Serang Cabang Cinangka padatahun 2018 – 2019 iliquid. LAR pada tahun 2018 kurang sehat dan 2019 sehat.LDR pada tahun 2018 – 2019 sangat sehat. Dan NPL pada tahun 2018 kurangsehat dan pada tahun 2019 sehat. Dan pengendalian kredit yang dilakukan melaluli prinsif 5c yaitu character, capacity collateral, capital, condition.Wawancara, check on the spot, pengecekan SLIK, melihat dari status riwayathidup.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Bank is a business entity that collects funds from the public in the form of deposits in the form of demand deposits, savings and deposits and distributes to the public in the form of credit or other forms in order to improve the standard of living of the people. Rural Credit Bank or often called (BPR) is a bank that carries out and conducts its business activities in a conventional manner or based on sharia principles, which in its activities are not permitted or cannot provide services in payment traffic such as demand deposits. And it can be interpreted that the activities of people's credit banks or (BPR) are much narrower when compared to the activities carried out by commercial banks because people's credit banks are not permitted or allowed to perform services in payment traffic. As a financial institution PD. BPR Serang Cinangka Branch, in daily activities, plays a role as a financial institution that is never free from credit or financing problems, even the provision of credit is its main activity. But giving credit does not always run smoothly and well as expected. The purpose of standby is to see the control system on the PD. BPR Serang, Cinangka Branch and how is the liquidity in PD. BPR Serang, Cinangka Branch. The method used is the interview technique. The results of this study indicate that based on the results of the calculation of the bank's QR PD financial ratio. BPR Serang Cinangka Branch in 2018 - 2019 iliquid. LAR in 2018 is less healthy and 2019 is healthy. LDR in 2018 - 2019 is very healthy. And NPL in 2018 is not healthy and in 2019 is healthy. And control credit is carried out through the 5c principles, namely character, guaranteed capacity, capital, condition. Interview, checking SLIK, checking, looking at the status of curriculum vita. Keywords : Banking, Liquidity, Credit. | |||||||||
| Uncontrolled Keywords: | Kata Kunci : Perbankan, Likuiditas, Kredit. | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan | |||||||||
| Depositing User: | Perpustakaan Pusat | |||||||||
| Date Deposited: | 05 Aug 2022 09:54 | |||||||||
| Last Modified: | 05 Aug 2022 09:54 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/15300 |
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