UNSPECIFIED (2021) PROSEDUR PELAKSANAAN KREDIT PURNA BHAKTI SEBAGAI UPAYA MENGHINDARI KREDIT BERMASALAH DI BANK BJB KCP CIKANDE. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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PROSEDUR PELAKSANAAN KREDIT PURNA BHAKTI SEBAGAI UPAYA MENGHINDARI KREDIT BERMASALAH DI BANK BJB KCP CIKANDE.pdf - Published Version Restricted to Registered users only Download (3MB) |
Abstract
Pembiayaan bermasalah atau kredit bermasalah tidak terjadi secara tiba-tiba, namun disebabkan beberapa faktor. Guna mengatasi berbagai hambatan yang terjadi pada pelaksanaan pembiayaan khususnya kredit, maka pihak perbankan sebagai penyedia jasa harus mempertimbangkan berbagai faktor yang berpotensi merugikan. Sehingga penguatan pada sisi persyaratan dan kelengkapan menjadi salah satu opsi. Selain itu adanya benda berharga yang dijadikan sebagai jaminan juga menjadi opsi lain agar mendorong pembiayaan atau kredit yang dilaksanakan seseorang agar dapat berjalan lancar. Tujuan dari penulisan laporan tugas akhir ini, yaitu: 1) Mengetahui prosedur pelaksanaan kredit purna bhakti, 2) Mengetahui apa saja upaya yang dilakukan Bank BJB Cikande untuk menghindari kredit bermasalah pada calon debiturnya, 3) Mengetahui hambatan-hambatan apa saja yang dialami saat proses pemberian kredit. Hasil penelitian ini, yaitu: 1) Prosedur pelaksanaan kredit purna bhakti pada Bank BJB KCP Cikande menentukan persyaratan berupa: KTP, NPWP, Surat Nikah, Buku Tabungan, SK Pensiun (untuk dijadikan agunan / jaminan). 2) Upaya bank untuk menghindari terjadinya kredit bermasalah yaitu pihak Bank BJB KCP Cikande selain menerapkan prosedur yang ketat, dalam menghindari kredit yang bermasalah yaitu dengan menerapkan beberapa kebijakan, mulai dari Monitoring kredit, Maintance Debitur, Kunjungan on the spot debitur. pengecekan kredit, upaya komunikasi lancar dengan debitur. 3) Hambatan-hambatan yang dialami pada saat proses pemberian kredit purna bhakti yaitu berkas pemohon yang tidak lengkap, debitur lupa membawa persyaratan, faktor gaji tidak mencukupi, dan sangguan sistem kerja. Namun demikian pihak Bank BJB KCP Cikande telah menerapkan berbagai solusi untuk mengatasi persoalan tersebut.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Non-performing financing or loans d caused by several factors. In order to overcome various obstacles that occur in the implementation of financing, especially credit, the banking sector as a service provider must consider various potentially detrimental factors. Strengthening in terms of requirements and completeness is one option. The existence of valuable objects that are used as collateral is also another option to encourage financing or credit carried out by someone so that it can run smoothly. The purposes of writing this final report are: 1) Knowing the procedures for implementing post-service loans, 2) Knowing what efforts are being made by Bank BJB Cikande to avoid non-performing loans to prospective debtors, 3) Knowing what obstacles are experienced during the process. credit granting. The results of this study, namely: 1) The procedure for implementing post-service credit at Bank BJB KCP Cikande determines the requirements in the form of: KTP, TIN, Marriage Certificate, Savings Book, Pension Decree (to be used as collateral / guarantee). 2) The bank's efforts to avoid non-performing loans, namely Bank BJB KCP Cikande, in addition to implementing strict procedures, in avoiding non-performing loans, namely by implementing several policies, ranging from credit monitoring, debtor maintenance, visits on the spot debtors. credit checks, smooth communication efforts with debtors. 3) The obstacles experienced during the process of granting post-service credit are incomplete applicant files, debtors forgetting to bring requirements, insufficient salary factors, and work system disturbances. However, Bank BJB KCP Cikande has implemented various solutions to overcome these problems. | |||||||||
| Uncontrolled Keywords: | Bank, Credit, Non-performing Financing Bank, Kredit, Pambiayaan Bermasalah | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Perpustakaan Pusat | |||||||||
| Date Deposited: | 26 Dec 2022 10:24 | |||||||||
| Last Modified: | 26 Dec 2022 10:24 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/19032 |
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