UMM Institutional Repository

PENYALURAN PINJAMAN "KREDIT RINGAN (KRING) BTN" DENGAN JAMINAN SURAT KEPUTUSAN (SK) PEGAWAI PADA PT. BANK TABUNGAN NEGARA KANTOR CABANG MALANG

GUPRAMIKA, GHEA PISCESQY (2015) PENYALURAN PINJAMAN "KREDIT RINGAN (KRING) BTN" DENGAN JAMINAN SURAT KEPUTUSAN (SK) PEGAWAI PADA PT. BANK TABUNGAN NEGARA KANTOR CABANG MALANG. Other thesis, University of Muhammadiyah Malang.

[img]
Preview
Text
jiptummpp-gdl-gheapisces-39830-1-pendahul-n.pdf

Download (952kB) | Preview
[img]
Preview
Text
jiptummpp-gdl-gheapisces-39830-2-babi.pdf

Download (21kB) | Preview

Abstract

Kredit ringan [Mild Debt] (KRING) BTN Debt Lending is a debt facility with mild installment and competitive interest aimed to company's employee or institution with Fixed Employee Decree [Surat Keputusan] (SK). Kredit ringan [Mild Debt] (KRING) in Bank BTN Branch Office of Malang is divided into two, they are KRING BTN Payroll and KRING BTN Non Payroll. KRING BTN Payroll is debt service for service user which salary payment, allowance, bonus, and other financial needs are through BTN Bank. Meanwhile, KRING BTN Non-Payroll is debt service for service user which salary payment, allowance, bonus, and other financial needs are not through BTN Bank. Data collection technique done in this final assignment are by qualitative descriptive and quantitative descriptive. Qualitative descriptive explains mild debt (KRING) BTN line with Fixed Employee Decree (SK) warranty. While descriptive quantitative explain about collectability and fluctuation table of KRING BTN debtors. Data collected are found directly from mild debt and Asset Management Division (AMD). From the research, it can be explained that KRING BTN Payroll is more efficient compared with KRING BTN Non Payroll since user is already have cooperation with BTN Bank, so the debt installment payment system via salary cut automatically from director and it has lower interest. Meanwhile KRING BTN Non Payroll has higher interest since they don't cooperate with BTN Bank. From the research, it can be concluded that KRING BTN Payroll interest is lower than KRING BTN Non Payroll.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HG Finance
Divisions: Faculty of Economics > Diploma of Banking and Finance (61406)
Depositing User: Denyta Saputri
Date Deposited: 22 Mar 2016 06:06
Last Modified: 15 Feb 2018 06:47
URI : http://eprints.umm.ac.id/id/eprint/21354

Actions (login required)

View Item View Item
UMM Official

© 2008 UMM Library. All Rights Reserved.
Jl. Raya Tlogomas No 246 Malang East Java Indonesia - Phone +62341464318 ext. 150, 151 - Fax +62341464101
E-Mail : infopus[at]umm.ac.id - Website : http://lib.umm.ac.id - Online Catalog : http://laser.umm.ac.id - Repository : http://eprints.umm.ac.id

Web Analytics

UMM Institutional Repository is powered by :
EPrints Logo