Analisis Pemberian Kredit Dalam Rangka Usaha Meningkatkan Rentabilitas Pada PT. BPR ADHI PURWO Purwosari – Pasuruan

Andyka, Reno (2008) Analisis Pemberian Kredit Dalam Rangka Usaha Meningkatkan Rentabilitas Pada PT. BPR ADHI PURWO Purwosari – Pasuruan. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research is a kind of descriptive-qualitative research at the PT. BPR Adhi Purwo Purwosari – Pasuruan, entitled “The Analysis of Giving Credit in Order to Improve the Rentability at PT. BPR Adhi Purwo Purwosari – Pasuruan”. The purposes of this research are: a) Knowing the procedure of giving credit at PT. BPR Adhi Purwo Purwosari – Pasuruan, b) Knowing the level of credit collectively given by PT. BPR Adhi Purwo Purwosari – Pasuruan, c) Knowing the level of rentability that reach at PT. BPR Adhi Purwo Purwosari – Pasuruan, d) Knowing the problems and solutions on the implementation of giving credit in order to improve the rentability at PT. BPR Adhi Purwo Purwosari – Pasuruan. This research is using the primer and secondary data to collect the necessary data’s. Then, the technical analysis that used are: a) quantitative method, in this method the analyzer which used is the Rentability Ratio, included GPM, NPM, ROE, ROI, GITA and Collectively Level, included arrears, reserves/PPAP, NPL, b) descriptive-qualitative method, is the balanced report analysis, profit and loss report, and the classification of the credit collectively at 2004, 2005, and 2006. The result of this research gives the description that the procedure of giving credit at PT. BPR Adhi Purwo Purwosari – Pasuruan can be told effective. It can show by the authority, great responsibility and the BPR Company have analyze the eligibility of credit application pursuant to carefulness principle of bank in credit according to the 5C principle, those are Character, Capacity, Capital, Collateral, and Condition. For the credit collectively level still have arrears/credit problem (NPL) which still normal because the average number each year is 1,11% and under the standard of National Banking (BI) in the number of 5%. Furthermore, for the rentability from year to year in GPM, NPM, ROE, ROI, and GITA tend to increase. In other hand, the financial condition at PT. BPR Adhi Purwo Purwosari – Pasuruan from year to year progressively goodness. According to the conclusions above, the researcher recommends to the PT. BPR Adhi Purwo Purwosari – Pasuruan: a) continuing the procedure of giving credit previously, then the financial condition get better from year to year or even increase in the next year in order to reach the purposes of the company, b) PT. BPR Adhi Purwo Purwosari – Pasuruan must be able to increase the credit infestations (Personal Loan Credit at 2006) because relatively smaller than two other credit types at the same year; commerce and agriculture credit. But, besides improving the Personal Loan Credit, PT. BPR Adhi Purwo Purwosari – Pasuruan also must be able to continuing and increasing the two other credit types, c) PT. BPR Adhi Purwo Purwosari – Pasuruan must be able to maintain the health of credit problem so that the target of company able to reach by the observation of installment.

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Anggit Aldila
Date Deposited: 28 Apr 2012 03:21
Last Modified: 28 Apr 2012 03:21
URI: http://eprints.umm.ac.id/id/eprint/3272

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