Carneza, Fency (2021) MEKANISME PENYELESAIAN KREDIT MACET AKIBAT PEMINDAHAN GAJI PENSIUN DI PT. BANK SUMSEL BABEL CABANG BELITANG. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Bank is a business entity that collects funds from the public in the form of savings and distributes them back to the community in the form of credit and or other forms in order to improve the standard of living of the people at large. The role of banking in the economic development of a nation is very important. The banking business includes three activities, namely collecting funds, distributing funds, and providing other bank services. The activity of collecting and distributing funds is the main activity of the bank, while providing other bank services is only a supporting activity. Bank Sumsel Babel has a role as a source of regional income. One of the special services at Bank Sumsel Babel Belitang Branch is the provision of consumer credit in the form of KSG credit (Multipurpose Credit) for active employees whose salaries have been distributed through the bank in accordance with the cooperation agreement. Multipurpose Credit (KSG) for debtors with active employee status who will enter retirement until the debtor retires, for retirees themselves or widows/widowers whose retirement benefits have been distributed through a bank where the source of the return comes from the debtor's pension benefits, guaranteed by a Decree (SK) Employees. Basically, credit can be given to anyone who has the ability, but in this KSG credit (Multipurpose Credit) it can only be given to prospective debtors who have a fixed income. When the debtor and creditor have implemented the credit agreement, the debtor can receive the agreed amount of money. However, in reality, the easier it is to provide credit services to the public, it tends to become a serious problem in paying these credits. The problem will be seen in the payment of installments in the following months, because the obligations that must be paid are not carried out in accordance with the mandatory principal stated in the installments.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Bank adalah badan usaha yang menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkannya kembali kepada masyarakat dalam bentuk kredit dan atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup rakyat banyak. Peranan perbankan dalam pembangunan ekonomi suatu bangsa sangatlah penting. Usaha perbankan meliputi tiga kegiatan, yaitu menghimpun dana, menyalurkan dana, dan memberikan jasa bank lainnya. Kegiatan menghimpun dan menyalurkan dana merupakan kegiatan pokok bank, sedangkan memberikan jasa bank lainnya hanya kegiatan pendukung. Bank Sumsel Babel memiliki peran sebagai salah satu sumber pendapatan daerah. Salah satu layanan khusus di Bank Sumsel Babel Cabang Belitang adalah pemberian kredit konsumer berupa kredit KSG ( Kredit Serba Guna) untuk pegawai aktif yang berpenghasilan tetap dan gajinya telah disalurkan melalui bank sesuai dengan perjanjian kerjasama. Kredit Serba Guna (KSG) untuk debitur dengan status pegawai aktif yang akan memasuki masa pensiun sampai debitur menjalani masa pensiun, untuk pensiunan sendiri atau janda/duda yang manfaat pensiunnya telah disalurkan melalui Bank dimana sumber pengembaliannya berasal dari manfaat pensiun debitur, dengan jaminan Surat Keputusan (SK) Pegawai. Pada dasarnya pemberian kredit dapat diberikan kepada siapa saja yang memiliki kemampuan, namun pada kredit KSG (Kredit Serba Guna) ini hanya dapat diberikan kepada calon debitur khusus yang memiliki penghasilan tetap. Saat debitur dan kreditur telah melaksanakan perjanjian kredit maka debitur dapat menerima uang yang telah disepakati. Namun kenyataannya, semakin mudahnya pemberian jasa kredit kepada masyarakat, cenderung menjadi permasalahan yang serius dalam pembayaran kredit tersebut. Permasalahan akan terlihat pada pembayaran angsuran bulan – bulan berikutnya, karena kewajiban yang harus dibayar tidak dilaksankan sesuai dengan wajib pokok yang tertera pada angsuran tersebut. | |||||||||
| Uncontrolled Keywords: | Bad Credit, Multipurpose Credit (KSG), Cause of Bad Credit Kredit Macet, Kredit Serba Guna (KSG), Penyebab Kredit Macet | |||||||||
| Subjects: | Communication > Public Relations Science Communication > Communication (General) |
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| Divisions: | 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan 05-Fakultas Ekonomi dan Bisnis |
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| Depositing User: | Fency Carneza | |||||||||
| Date Deposited: | 16 Oct 2023 13:36 | |||||||||
| Last Modified: | 08 Nov 2023 08:56 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/30468 |
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