ANALISIS PEMBERIAN KREDIT DALAM UPAYA MENINGKATKAN RENTABILITAS PADA PT. BPR MITRAUSAHA CABANG MAGETAN

SETYORINI, ASTRI (2009) ANALISIS PEMBERIAN KREDIT DALAM UPAYA MENINGKATKAN RENTABILITAS PADA PT. BPR MITRAUSAHA CABANG MAGETAN. Other thesis, University of Muhammadiyah Malang.

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Abstract

The goal of this study is to explain how policy of credit giving, explain policy of credit giving and explain what effort which be carried out BPR Mitra Usaha branch Magetan to increase rentability. Writer carried out analysis to financial statement which be gained from firm along with analyze credit policy which cover 5C, Character, Capacity, Capital, Collateral, Condition of economic, beside it analysis is used as analysis of credit controlling, saving of credit and trouble credit. Data which be used gained by taking and collecting document from firm. Document which be collected such as data of financial statement in 2005-2007. financial statement is analyzed by using ratio analysis. The study result show BPR Mitra Usaha Magetan have carried out policy of credit giving by considering all of aspects and unsure of credit giving along with carefully, it is seem by increasing liquidity of put of financial in debitor and data of credit collectibles better, management of bank have carried out effort of credit controlling to increase rentability, as fixed creditor effort to make low risk, and make to reduce credit risk by give controlling to debtor continually. Based on the liquidity ratio, especially banking ratio, Rentability ratio especially Rate of Return on Loan and Provision for Loans Losses Ratio, effort risk in Credit Risk Ratio, efficiency ratio to Cost of efficiency is said good, it seem in 2006 and 2007 happen increasing. While the modal ratio from capital ratio side experience decreasing. Based on the conclusion result so suggestion which be given to Bank Management is to increase asset ratio especially capital ratio, will management of bank to state policy of its capital to state policy with create new financial resource, both society and banking world, and try to make low risk of credit to reduce credit risk by giving control to debtor continually.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Anggit Aldila
Date Deposited: 30 Jun 2012 04:07
Last Modified: 30 Jun 2012 04:07
URI: http://eprints.umm.ac.id/id/eprint/10416

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