YANTI BR SURBAKTI, MEI (2024) ANALISIS PENERAPAN PRINSIP 5C DALAM MENINGKATKAN KUALITAS KREDIT GUNA BHAKTI (KGB) PADA PT. BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk KANTOR CABANG PEMBANTU PALIMA - SERANG. D3 thesis, UNIVERSITAS SULTAN AGENG TIRTAYASA.
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Abstract
This research aims to determine the development of Guna Bhakti Credit (KGB), the process of implementing 5C, the quality of KGB, and ways to overcome problems that arise as a result of implementing the 5C principles at Bank BJB KCP Palima. This research method uses interviews, observation and literature study. The results of the research show that developments at Bank BJB KCP Palima in achieving its targets were met and unfulfilled as well as the development trend of the highest percentage of KGB achievements at 45.6% and the lowest at -30.5%. For the Guna Bhakti Credit Process at Bank BJB, the 5C principles are applied to prospective debtors, namely character, capacity, capital, collateral and condition of economy. The quality of Guna Bhakti Credit based on the 5C principles at Bank KCP Palima in 2023 is classified as smooth. Problems in implementing 5C occur in the principles of Character and Collateral. This problem with Character can be overcome by the bank being more careful in trusting potential debtors, while regarding the Collateral principle, the bank must re-examine the documents provided as collateral.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Penelitian ini bertujuan untuk mengetahui perkembangan Kredit Guna Bhakti (KGB), proses penerapan 5C, kualitas KGB, dan cara untuk mengatasi permasalahan yang timbul akibat penerapan prinsip 5C di Bank BJB KCP Palima. Metode penelitian ini menggunakan wawancara, observasi dan studi pustaka. Hasil penelitian menunjukkan bahwa perkembangan di Bank BJB KCP Palima dalam mencapai targetnya ada yang terpenuhi dan tidak terpenuhi serta perkembangan trend presentase capaian KGB yang tertinggi sebesar 45,6% dan yang terendah sebesar -30,5%. Untuk Proses Kredit Guna Bhakti di Bank BJB ini melakukan penerapan prinsip 5C kepada calon debitur yaitu terdiri dari character (watak), capacity (kemampuan), capital (modal), collaterall (jaminan), dan condition of economy (kondisi ekonomi). Kualitas Kredit Guna Bhakti berdasarkan prinsip 5C pada Bank KCP Palima pada Tahun 2023 adalah tergolong lancar. Permasalahan dalam penerapan 5C terjadi pada prinsip Character dan Collateral. Permasalahan pada Character ini dapat diatasi dengan cara pihak bank lebih berhati hati dalam mempercayai calon debitur, sedangkan terkait prinsip Collateral, pihak bank harus memeriksa kembali dokumen yang diberikan sebagai jaminan. | |||||||||
| Uncontrolled Keywords: | credit quality, character, capacity, capital, collateral, and condition of economy kualitas kredit, character, capacity, capital, collateral, dan condition of economy | |||||||||
| Subjects: | H Social Sciences > HB Economic Theory Communication > Science Journalism |
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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: | Mei Yanti Br Subakti | |||||||||
| Date Deposited: | 27 Aug 2024 16:15 | |||||||||
| Last Modified: | 05 Sep 2024 09:27 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/41428 |
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