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PENGENDALIAN KREDIT CEPAT AMAN (KCA) PADA PT. PEGADAIAN (PERSERO) CABANG MALANG

Husna, Ulfa Nuraini (2015) PENGENDALIAN KREDIT CEPAT AMAN (KCA) PADA PT. PEGADAIAN (PERSERO) CABANG MALANG. Other thesis, Universitiy of Muhammadiyah Malang.

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Abstract

This research was conducted in PT Pegadaian (Persero) branch Malang with the title “Quick Secure Credit Control on PT Pegadaian Branch Malang” The purpose of this research is to describe the characteristic of mortgage loan quick secure credit and to provide an overview about controlling performed by PT Pegadaian (Persero) branch Malang to the granting of mortgage loan quick secure credit. In this research, qualitative and quantitative data and secondary data sources were used to collect the data. In this research, collecting data obtained was based on literature data, observation, and document. Based on the result of the research, it can be concluded that the amount of uncollectible loans at KCA product in July 2014 reached the highest level of 19.10% and the lowest in May at 3.56%. If it is seen during 2014, an average of uncollectible loans is at 8.33%. Factors that cause high uncollectible loans in July can be caused by two factors. They are the intention of the customer himself and economic factors that cause the customer is unable to pay their obligations. Furthermore, it is necessary to control what is conducted by PT Pegadaian (Persero) branch Malang to minimize uncollected loans on product of quick secure credit. Then, the suggestion that researcher can provide are to increase the liquidity of mortgage, the government's role in supporting the liquidity pawn and prudence adjuster in assessing the collateral.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HC Economic History and Conditions
Divisions: Faculty of Economics > Diploma of Finance & Banking
Depositing User: Denyta Saputri
Date Deposited: 23 Mar 2016 03:34
Last Modified: 23 Mar 2016 03:34
URI : http://eprints.umm.ac.id/id/eprint/21716

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