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PENGENDALIAN KREDIT MODAL KERJA (KMK) PADA PT BANK RAKYAT INDONESIA KANTOR CABANG PEMBANTU BOROBUDUR MALANG

Badriyah, Rindi Lailil (2015) PENGENDALIAN KREDIT MODAL KERJA (KMK) PADA PT BANK RAKYAT INDONESIA KANTOR CABANG PEMBANTU BOROBUDUR MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

A bank loan plays an important role in national economy development and strategic environmental change faced in the business world. As a business entity, bank should always be directed and encourraged to contribute to increase and sicial gap. Moreover, it is supposed to be a place of economic activity for society. In conducting a loan activity, a bank must have set procedural requirements. Before aloan transaction, a bank should be able to make sure that the bank customers are officially reliable. Therefore, control is essentially needed to give credit for working capital distribution by PT Bank Rakyat Indonesia KCP Borobudur Malang. In this final project, the writer conducted a study at PT Banl Rakyat Indonesia KCP Borobudur Malang entitled “Working Capital Loan Control at PT Bank Rakyat Indonesia KCP Borobudur Malang”. This study aimed at re-evaluating the control that is implemented by the bank in working capital loan distribution to avoid loan defaulted and to keep the loan fast and production. The study used descriptive qualitative and quantitative designs. It is such a research method that was used to collect the data in order to portray the object of the study by interviews and documentations. In this research method, the researcher collected the data through library research, observations, and several interviews. The result of the study showed that the control implemented by PT Bank Rakyat Indonesia KCP Borobudur Malang in working capital loan distribution was conducted through several steps, namely assessing the bank customers by using 5C principles (Character, Capacity, Capital, Condition of Economy, Collateral) the control upon assessment of bank guarantee applied by the bank customers, and the calculation of monthly installment of the bank customers. The control implemented by PT Bank Rakyat Indonesia KCP Borobudur Malang has been in accordance with banking regulation No. 8 .year 1998 in verse 8 about loan distribution.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Denyta Saputri
Date Deposited: 22 Mar 2016 03:40
Last Modified: 22 Mar 2016 03:40
URI : http://eprints.umm.ac.id/id/eprint/21259

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