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ANALISIS IMPLEMENTASI DAN KEBIJAKAN PENYALURAN KREDIT PADA PT BPR ARMINDO KENCANA CABANG BATU

Ariyanti, Radina Ruly (2015) ANALISIS IMPLEMENTASI DAN KEBIJAKAN PENYALURAN KREDIT PADA PT BPR ARMINDO KENCANA CABANG BATU. Other thesis, University of Muhammadiyah Malang.

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Abstract

The purpose of this study to determine the lending policy applied to the PT BPR Armindo Kencana Branch Stone with its application to customers for one year in 2012, there are two types of loans are consumer loans and working capital loans, and to determine the suitability of the policy lending to the principle prudential lending 5C. This study used a questionnaire and documentation to retrieving data on the application and lending policies in PT BPR Armindo Kencana Branch Batu. Based on the results of the questionnaire answers of the employees of compatibility between the application and lending policy was 100% (1 employee) replied "yes". Results kesioner response from customers who make working capital loans amounted to 39.5% (34 clients) responded "yes", and amounted to 60.5% (52 clients) responded "yes" and "no", while the answers of compatibility between application and lending policies of customers who make consumer loans was 100% (64 clients) responded "yes. The analysis was done using questionnaires to employees of the credit and loan customers can be concluded that the lending policies in PT BPR Armindo Kencana Branch Batu with application to credit customers generate most appropriate application to customers and some application to customers who are less fit. Correspondence between the lending policies in PT BPR Armindo Kencana Branch Batu with the precautionary principle 5C credit is good enough and fit enough. Based on the analysis and implementation of credit policies in PT BPR Armindo Kencana Branch Batu, the writer suggests PT BPR Armindo Kencana Branch Batu more attention on the implementation of policy lending to customers, particularly customers' working capital loans to avoid problems caused delays in repayment of business carried on working capital loan customers are not running smoothly.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
H Social Sciences > HC Economic History and Conditions
Divisions: Faculty of Economics > Department of Management
Depositing User: Fitri Ramandhany
Date Deposited: 17 Mar 2016 05:48
Last Modified: 17 Mar 2016 05:48
URI : http://eprints.umm.ac.id/id/eprint/21016

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