ANALISIS KELAYAKAN DALAM PEMBERIAN KREDIT PADA BANK PERKREDITAN RAKYAT (Studi Kasus pada PT. BPR Bali Catur Mandiri Pakis Malang)

Rorik Widyantara Esti, Sucipto (2009) ANALISIS KELAYAKAN DALAM PEMBERIAN KREDIT PADA BANK PERKREDITAN RAKYAT (Studi Kasus pada PT. BPR Bali Catur Mandiri Pakis Malang). Other thesis, University of Muhammadiyah Malang.

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Abstract

This research is a case study to solve the problem according to data fit with the problem researched at BPR Bali Catur Mandiri titled “Worthiness Analysis in Debt Offered to Bank Perkreditan Rakyat (Case Study at PT. BPR Bali Catur Mandiri Pakis Malang)” The research aimed to find out how BPR Bali Catur Mandiri in determining feasibility of debtor applicant to get debt. The writer took three samples debtor applicant whose data directly found from BPR Bali Catur Mandiri in financial report and debt data information of debtor applicant. Analytical tool used to find out the feasibility of debtor applicant to get debt was 5C credit analysis factors. They were character, capacity, capital, condition, collateral. Data analysis process in applying 5C principles is so benefit for BPR Bali Catur Mandiri since by the application of 5C in analyzing the financial report or personal data of debtor apllicant, BPR Bali Catur Mandiri would find whether these debtor applicant proper or not for a debt. The result found from the data analysis showed that the 3 debtor was proper for debt since they had fulfilled all conditions and criterias of 5C principles and fit the procedures stated by BPR Bali Catur Mandiri According to above conclusion, the writer could imply that BPR Bali Catur Mandiri should not only apply for the 5C principles in debtor determination, but also 7P principles, they were personality, party, perpose, prospect, payment, profitability, protection. Besides, BPR Bali Catur Mandiri could also apply for 3R principles, they were returns, repayment, risk bearng ability. Calculation with 7P and 3R principles could assure bank about the ability of debtor applicant in debt return.

Item Type: Thesis (Other)
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: Faculty of Economic > Department of Management
Depositing User: Anggit Aldila
Date Deposited: 29 Jun 2012 06:14
Last Modified: 29 Jun 2012 06:14
URI: http://eprints.umm.ac.id/id/eprint/10269

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