Wulandari, Retno Lilis (2009) ANALISIS EFEKTIVITAS PENYALURAN KREDITUSAHA MIKRO DAN KECIL (UMK) PADA PT. BPRSYARI’AH BHAKTI HAJI BULULAWANG MALANG. Other thesis, University of Muhammadiyah Malang.
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It is a study that is conducted in PT. BPR Syari’ah Bhakti Haji Bululawang- Malang entitled “An Analysis of the Effectiveness of Credit Distribution in Micro and Small Business (UMK) on PT. BPR Syari’ah Bhakti Haji Bululawang” (A study on PT. BPR Syari’ah Bhakti Haji Bululawang- Malang). The purposes of this study are to analyze the financial record of credit on UMK in decreasing problematic credit in PT. BPR Syari’ah Bhakti Haji Bululawang; it is used to know the problem in PT. BPR Syari’ah Bhakti Haji Bululawang and analysis and problem solving also conducted by using theory in relation with the topic. The data collection that is used here to identify the financial record of balance and profit, so that there is no problematic credit by using the analysis of given credit development, effectiveness analysis (from creditor), and the analysis of NPL (from debtor) on PT. BPR Syari’ah Bhakti Haji Bululawang is that the analysis of given credit development annually and the number of credit development is always facing problem. The analysis of effectiveness comprise liquidity, it is the bank capability in distributing credit. Solvability, it is used to evaluate the BPR capital. Profitability is the BPR capability to yield profit before tax and all properties, and the analysis of NPL is to measure the number of problematic credit. The result of study is based on the result of financial record; balance and profit. The calculation of trading has the huge risk to be said as proper to give credit. It causes credit distribution more focused on UMK. Based on the result of study above, the analysis of financial record can be said able to help the banker to determine credit distribution for UMK in getting credit. it is because the analysis of financial record by using this analysis is more accurate to analysis financial record for credit distribution of UMK and it is more knowing the condition of business before decided to be proper in given credit.
|Item Type:||Thesis (Other)|
|Subjects:||H Social Sciences > HB Economic Theory|
|Divisions:||Faculty of Economic > Department of Accounting|
|Depositing User:||Anggit Aldila|
|Date Deposited:||10 Jul 2012 04:05|
|Last Modified:||10 Jul 2012 04:05|
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