EVALUASI KELAYAKAN PEMBERIAN KREDIT BAGIUKM DEBITUR PT BANK JATIM MALANG

Devia, Ranggasari (2009) EVALUASI KELAYAKAN PEMBERIAN KREDIT BAGIUKM DEBITUR PT BANK JATIM MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research represent research of case study at PT Bank Jatim of Malang and UKM Debitor PT Bank Jatim of Malang. Writer in conducting this research take title that is " Evaluation Elegibility Gift of Credit To UKM Debitor PT Bank Jatim of Malang". Target of this research is to know how to elegibility gift credit to UKM debitor PT Bank Jatim of Malang. Evaluation elegibility gift of credit to UKM debitor PT Bank Jatim of Malang conducted for year 2006 and 2007 by using assessment of credit guarantee and principle 6C. This guarantee in the form of liquid asset or estae remain to. Principle 6C which consist of Character, Capacity, Capital, Collateral, Condition of Economy, and Constraint. This research, writer take hypothesis that is: that UKM Debitor PT Bank Jatim of Malang given by competent credit. Assessment of credit guarantee assessed pursuant to Market Value that is minimizing 130% from raised credit plafond. This guarantee in the form of liquid asset or fixed asset. Liquid asset in the form of account receivable, supply, marketable securities. Fixed asset to in the form of building, landground, machine, equipments, or vehicle. This research is conducted by UKM debitor PT Bank Jatim of Malang by using method interview with owner of UKM and employees PT Bank Jatim of Malang. Second method through documentation in the form profile of UKM and client data and also data about credit activity. Its target to know competent or no the UKM given by credit. Result of analysis the research can know that competent debitor accept credit. Raised guarantee value exceed to cover ratio equal to 130% from credit plafond which have been specified by side of PT Bank Jatim of Malang. Second assessment pass credit principle 6C to see the effort which is run as according to principle 6C standard PT Bank Jatim of Malang. Conclusion this research that PT Bank Jatim of Malang in determining decision channeling its credit have executed assessment credit guarantee and principle 6C. UKM Debitor PT Bank Jatim of Malang competent given credit. Value guarantee credit the raised have exceeded to cover ratio which have been specified by bank side and Principle 6C is equal to Principle 6C standard PT Bank Jatim of Malang. Writer of this research implication pursuant to conclusion that management better PT Bank Jatim of Malang expected to consider in decision making channeling and extension credit UKM. Management UKM Debitor PT Bank Jatim of Malang expected to consider raising credit and extension application credit to be raised hereinafter so that can maintain trust of bank to client if will take a credit kredit. The next writer result of this research can be made by reference in research hereinafter and expected by researcher use other analyzer in evaluating credit which have been channelled.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Management
Depositing User: Anwar Jasin
Date Deposited: 04 Apr 2012 07:48
Last Modified: 04 Apr 2012 07:48
URI: http://eprints.umm.ac.id/id/eprint/1863

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