ANALISIS TERHADAP PENERAPAN PENILAIAN THE FIVE C’s OF CREDIT PRINCIPLE KEPADA CALON DEBITUR DALAM RANGKA MEMINIMALISIR KREDIT MACET DI BANK PERKREDITAN RAKYAT (Studi di PT. BPR Dau Anugerah)

SUSANTI, RENDY NORMA (2010) ANALISIS TERHADAP PENERAPAN PENILAIAN THE FIVE C’s OF CREDIT PRINCIPLE KEPADA CALON DEBITUR DALAM RANGKA MEMINIMALISIR KREDIT MACET DI BANK PERKREDITAN RAKYAT (Studi di PT. BPR Dau Anugerah). Other thesis, University of Muhammadiyah Malang.

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Abstract

In the world of economy, Non Performing Loan phenomenon is mostly being faced in the shape of credit distribution, one which existed in BPR. In order to minimize congested credit, there are some legal rules in banking which regulates it. The point is to note that before giving credit toward the credit beneficiary, bank is obliged to do The Five C’s of Credit Principle Assessment toward the beneficiary candidate in order to minimize the risk of congested credit. In implementing it, each bank has their own ways to deal with it based on each bank’s consideration which is supposedly carrying the benefit for the bank party. This study is taken problematic formulation as follows: 1. What is the mechanism of The Five C’s of Credit Principle toward the beneficiary candidate in PT BPR Dau Anugerah in order to minimize congested credit? 2. What kind of efforts done by PT. BPR Dau Anugerah to support implementing The Five C’s of Credit Principle assessment? This study is using sociological jurisdiction approach method, data collection technique is done bay interviewing Chief Executive Director and Account Officer of BPR Dau Anugerah also documentation. Data is therefore analyzed descriptive qualitatively. From the result of interview and documentation it is shown that implementation mechanism of The Five C’s of Credit Principle assessment of PT BPR Dau Anugerah is compose into two broad phase, that is: preliminary phase with initial requirements as the material of The Five C’s of Credit Principle assessment, and subsequent phase is done through interview I, BI Checking, Survey and interview II, determination of loan taxes, and details. Through several phases above, if one of 5C component is not met therefore credit is denied or if otherwise is happening therefore credit is approved. Realize the importance of implementing The Five C’s of Credit Principle assessment therefore efforts to improve credit professional expertise training and internal information technology system is made by BPR Dau Anugerah as support. In sum, by the existence of implementation mechanism of assessment and the implementation of The Five C’s of Credit Principle assessment supporting efforts discussed above, Non Performing Loan of BPR Dau Anugerah is able to minimize. Advice, to proceed and increase the implementation mechanism and supporting efforts of The Five C’s of Credit Principle therefore Non Performing Loan can be minimize as far as possible.

Item Type: Thesis (Other)
Subjects: K Law > K Law (General)
Divisions: Faculty of Law > Department of Law
Depositing User: Anwar Jasin
Date Deposited: 10 Mar 2012 15:15
Last Modified: 10 Mar 2012 15:15
URI: http://eprints.umm.ac.id/id/eprint/377

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