FRANS TAMBOLON, MICHAEL (2015) LAPORAN TUGAS AKHIR ANALISA PROSES PENCAIRAN KREDIT MULTI GUNA DI PD. BPR SERANG CABANG ANYAR. D3 thesis, Universitas Sultan Ageng Tirtayasa.
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ANALISA PROSES OENCAIRAN KREDIT MULTI GUNA DI PD.BPR SERANG CABANG AN2.pdf - Published Version Restricted to Registered users only Download (12MB) |
Abstract
ABSTRACT Analysis Implementation of Credit Providing in PD. BPR Serang Cabang Anyar, Michael Frans Tambolon, Final Report, Diploma III Finance and Banking Economics and Bussiness Faculty of Sultan Ageng Tirtayasa University, Serang, Banten, Year 2015. The credit analysis is an evaluation upon the credit appealing (either new credit appealing, the extension/renewing, and restructuring) upon the appropriateness of the debtor. There are several credit evaluatin principles that are often completed. They are 5C, which are: the evaluation of character, capacity, capital, collateral, and the debtor’s condition of economy. In PD.BPR Serang Cabang Anyar, the evaluation against the creditappealing starts from examining the file of credit appealing of the debtor candidates, followed with the investigation of loan file, to credit appropriateness evaluation using the analysis of 5C. whereas before the decision of the credit providing, after the credit approprianteness evaluation, there will be the first interview, location observation (survey on the spot), and second interview. Nevertheless, upon the application on the field, there are several risen obtaclesthat cause the utilization of 5C upon the analysis of credit providing could not be completed optimally, caused by the economical condition, the Bank management, and state’s political circumstances. Key Words: Credit, Analysis.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | ABSTRAK Analisa Proses Pencairan Kredit Multi Guna Di PD. BPR Serang Cabang Anyar, Michael Frans Tambolon, Laporan Tugas Akhir, Program Diploma III Keuangan dan Perbankan Fakultas Ekonomi dan Bisnis Universitas Sultan Ageng Tirtayasa, Serang, Banten, Tahun 2015. Analisis kredit merupakan penilaian terhadap suatu permohonan kredit (baik permohonan kredit baru, perpanjangan/pembaharuan, dan restrukturisasi) layak atau tidak untuk disalurkan kepada Debitur. Ada beberapa prinsip-prinsip penilaian kredit yang sering digunakan, yaitu dengan analisis 5C: Penilaian Watak (Character), Penilaian Kemampuan (Capacity), Penilaian Terhadap Modal (Capital), Penilaian Terhadap Agunan (Collateral), dan Penilaian Terhadap Prospek Usaha Nasabah Debitur (Condition Of Economy). Di PD. BPR Serang Cabang Anyar penilaian terhadap permohonan kredit dimulai dengan meneliti dan mengkaji data berkas permohonan kredit dari calon Debitur. Kemudian dilakukan penyelidikan terhadap berkas pinjaman dan penilaian kelayakan kredit dengan menggunakan analisis 5C. Kemudian wawancara pertama, peninjauan lokasi (survey on the spot), hingga wawancara kedua. Setelah itu barulah diputuskan permohonan kredit tersebut diterima atau ditolak. Namun dalam pelaksaannya dilapangan ada beberapa kendala sehingga penggunaan 5C dalam analisis pemberian kredit tidak dapat dilaksanakan secara optimal, hal ini karena kondisi ekonomi, manajemen Bank serta keadaan politik dan Negara. Kata Kunci : Kredit, Analisis. | |||||||||
| Uncontrolled Keywords: | Kredit, Analisis. Key Words: Credit, Analysis. | |||||||||
| 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: | 25 Oct 2021 05:39 | |||||||||
| Last Modified: | 25 Oct 2021 05:39 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/2476 |
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