NANDA, SOFIA FISKA (2025) MEKANISME PEMBERIAN KREDIT GUNA BHAKTI 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
The observations in this final assignment aim to analyze the mechanism for providing Guna Bhakti Credit to PT. Regional Development Bank of West Java and Banten Palima Serang Sub-Branch Office. This study examines the requirements, assessment process and credit approval, as well as the obstacles and solutions faced in providing credit. The observation method used in this final assignment is direct observation with the data obtained being data from direct interviews and other supporting data obtained from PT. Regional Development Bank of West Java and Banten Tbk Palima Serang sub-branch office. The results of observations in this final project show that the credit granting mechanism involves the stages of submitting an application, document verification, feasibility assessment based on the 5C principle (Character, Capacity, Capital, Conditions, Collateral), approval by the credit committee, signing the agreement, and disbursement of funds. From the results of the discussion, it was found that every customer or prospective debtor who would apply for Guna Bhakti credit at PT. West Java and Banten Regional Development Bank Tbk Palima Serang sub branch office, is required to fulfill all specified requirements such as resident identity card (KTP), Taxpayer's basic value (NPW), proof of last salary, employee appointment decision letter and other mandatory requirements- requirements that must be fulfilled. Guna Bhakti Products at PT. West Java and Banten Regional Development Bank Tbk Palima Serang sub-branch office routinely carries out internal evaluations on the credit section of credit granting services.
| Item Type: | Thesis (D3) | |||||||||
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| Additional Information: | Pengamatan dalam tugas akhir ini bertujuan untuk menganalisis mekanisme pemberian Kredit Guna Bhakti pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten Kantor Cabang Pembantu Palima Serang. Studi ini mengamati persyaratan, proses penilaian, dan persetujuan kredit, serta kendala dan solusi yang dihadapi dalam pemberian kredit. Metode Pengamatan yang digunakan dalam tugas akhir ini adalah Observasi secara langsung dengan data yang diperoleh merupakan data hasil wawancara secara langsung dan data pendukung lain yang didapat dari pihak PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor cabang pembantu Palima Serang. Hasil pengamatan dalam tugas akhir ini menunjukkan bahwa mekanisme pemberian kredit melibatkan tahapan pengajuan aplikasi, verifikasi dokumen, penilaian kelayakan berdasarkan prinsip 5C (Character, Capacity, Capital, Conditions, Collateral), persetujuan oleh komite kredit, penandatanganan perjanjian, dan pencairan dana. Pada hasil pembahasan diperoleh bahwa setiap nasabah atau calon debitur yang akan mengajukan kredit Guna Bhakti pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor cabang pembantu Palima Serang, wajib memenuhi semua persyaratan yang telah ditentukan seperti kartu identitas penduduk (KTP), Nilai pokok wajib Pajak (NPW), bukti gaji terakhir, surat keputusan pengangkatan pegawai dan persyaratan wajib lain-nya yang harus dipenuhi. Produk Guna Bhakti pada PT. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk Kantor cabang pembantu Palima Serang rutin melakukan evaluasi internal pada bagian kredit pelayanan pemberian kredit. | |||||||||
| Uncontrolled Keywords: | BJB KCP Palima Serang, Credit, BJB Guna Bhakti Credit, Credit Mechanism. BJB KCP Palima Serang, Kredit, Kredit Guna Bhakti BJB, Mekanisme Kredit. | |||||||||
| 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: | SOFIA FISKA NANDA | |||||||||
| Date Deposited: | 26 Jun 2025 02:30 | |||||||||
| Last Modified: | 26 Jun 2025 09:11 | |||||||||
| URI: | http://eprints.untirta.ac.id/id/eprint/50057 |
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