NURHAFIDIN, AHMAD (2023) IMPLEMENTASI PEMBERIAN KREDIT KARYA BANTEN SIPIL PADA BANK BANTEN KC BALARAJA. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
Implementation of Provision of Civil Servant Credit at Bank Banten Balaraja Branch. The purpose of this writing is to find out the procedures for granting Civil Servant credit, what documents/files are needed when applying for PNS credit, and how to implement Civil Servants credit at Bank Banten Balaraja Branch. The result of writing this final project report is the procedure for granting civil servant credit to Bank Banten Balaraja Branch, namely credit applications, credit administration records, customer applications, credit analysis, credit decisions, credit repayments, credit realization, disbursement of funds. Documents/files needed when applying for a PNS loan at Bank Banten Balaraja Branch, namely photocopies of the debtor's identity, credit application forms, collateral/collateral documents, power of attorney to deduct salaries or debit accounts, letters of recommendation from agency/office heads, certificates of salary details employee, last 3 months salary checking account, power of attorney to take retirement decree, power of attorney not to retire early, power of attorney has been approved by/wife, power of attorney will pay off if there are other loans recorded at BI Checking, photocopy of payroll, photocopy of TKD/TTP/Certification list, latest photo, BI Checking, credit approval letter (SPPK), credit assessment and decision results, credit agreement, statement letter in SPPK, power of attorney in SPPK, cable and electricity letter, payment contract, credit agreement documents, notes/transfer slips. The implementation of PNS credit at Bank Banten Balaraja Branch can be implemented in several ways, namely the ceiling given, the interest rate set, the period for PNS credit min. 1-max. 15 years, credit installments, credit installments, and offers of civil servant credit payments at the Balaraja Branch of Bank Banten.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Implementasi Pemberian Kredit Pegawai Negeri Sipil Pada Bank Bank Banten Cabang Balaraja. Tujuan penulisan ini untuk mengetahui prosedur pemberian kredit Pegawai Negeri Sipil, apa saja dokumen/berkas yang dibutuhkan pada saat pengajuan kredit PNS, dan bagaimana implementasi pemberian kredit Pegawai Negeri Sipil pada Bank Banten Cabang Balaraja. Hasil dari penulisan laporan tugas akhir ini adalah Prosedur pemberian kredit PNS pada Bank Banten Cabang Balaraja, yaitu permohonan kredit, pencatatan administrasi kredit, pengajuan nasabah, analisis kredit, keputusan kredit, penandatanganan akad kredit, realisasi kredit, pencairan dana. Dokumen/berkas yang dibutuhkan pada saat pengajuan kredit PNS di Bank Banten Cabang Balaraja, yaitu fotocopy identitas debitur, formulir permohonan kredit, dokumen jaminan/agunan, surat kuasa memotong gaji atau mendebet rekening, surat rekomendasi dari pimpinan instansi/dinas, surat keterangan rincian gaji pegawai, rekening koran gaji 3 bulan terakhir, surat kuasa untuk mengambil SK pensiun, surat pernyataan untuk tidak akan pensiun dini, surat pernyataan telah dipersetujui oleh suami/istri, surat pernyataan akan melunasi jika ada pinjaman lain yang tercatat pada BI Checking, fotocopy daftar gaji, fotocopy daftar TKD/TTP/Sertifikasi, pas foto terbaru, BI Checking, surat pemberitahuan persetujuan kredit (SPPK), hasil penilaian dan keputusan kredit, perjanjian kredit, surat pernyataan dalam SPPK, surat kuasa dalam SPPK, surat pernyataan dan kuasa, simulasi angsuran, dokumen akad kredit, nota/slip pemindah bukuan. Implementasi pemberian kredit PNS di Bank Banten Cabang Balaraja dapat terimplementasi dalam beberapa hal yaitu plafond yang diberikan, suku bunga yang ditetapkan, jangka waktu untuk kredit PNS min. 1-max. 15 tahun, angsuran kredit, angsuran kredit, dan pencapaian penyaluran kredit PNS di Bank Banten Cabang Balaraja. | |||||||||
| Uncontrolled Keywords: | Banks, credit, civil servants, procedures, implementation Bank, kredit, PNS, prosedur, implementasi | |||||||||
| Subjects: | H Social Sciences > HG Finance | |||||||||
| Divisions: | 05-Fakultas Ekonomi dan Bisnis 05-Fakultas Ekonomi dan Bisnis > 61406-Program Diploma III Keuangan Perbankan |
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| Depositing User: | Ahmad Nurhafidin | |||||||||
| Date Deposited: | 02 May 2024 12:11 | |||||||||
| Last Modified: | 02 May 2024 12:11 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/35042 |
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