ANALISIS SISTEM PENGENDALIAN INTERN DALAM PEMBERIAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) WLINGI PAHALA PAKTO BLITAR

Setyawan, Bekti (2007) ANALISIS SISTEM PENGENDALIAN INTERN DALAM PEMBERIAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) WLINGI PAHALA PAKTO BLITAR. Other thesis, University of Muhammadiyah Malang.

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Abstract

ABSTRACT Rural Bank (RB) Wlingi Pahala Pakto Blitar, as one of the banks that are specifically involved in credit course must have a system of comprehensive credit management control to minimize the level of nonperforming loans in the front. For over 10 years of People's Credit Banks (BPR) Wlingi Pahala Pakto Blitar has engaged in lending, especially for middle to lower business especially in Blitar regency. In the granting of loans is expected to be returned by a customer in a timely fashion, to then be used by other customers who require credit. Therefore, lending should be done selectively and takes the credit rating in relation to the demand for loans in order to determine the extent to which borrowers can be trusted to be given credit facilities and meet obligations to repay loans received in accordance with the credit agreement has been agreed. The purpose of this study was to assess the implementation of the system of internal control of credit at PT. Rural Bank (RB) Wlingi Pahala Pakto Blitar. To answer the problem formulation is the type of research is case study research that is done by direct observation to study objects with intent to obtain comprehensive data and information in accordance with the issues to be discussed. Based on the results of data analysis and discussion of the conclusions of this research is the organizational structure. Rural Bank (RB) Wlingi Pahala Pakto Blitar incomplete namely the lack of a credit analyst who specifically is responsible for managing client accounts including rekenng-due receivables control and the control of customers' collateral goods. Therefore it is deemed necessary to hold revamping organizational structure. Rural Bank (RB) Wlingi Pahala Pakto Blitar by adding the credit monitoring. Systems and procedures for extension of credit that has been carried out by the already fairly well established by the Rural Bank (RB) Wlingi Pahala Pakto Blitar. However, some things that become the findings of the systems and procedures for the granting of loans is the absence of provisions governing the final results analysis by Credit Risk Management (CRM), has not arranged the provision of documentation and administration of credit that has been or is not approved after the analysis done by Credit Risk Management ( CRM), does not expressly arranged efforts as a form of credit monitoring, has not arranged on the guidance system of credit, where credit coaching is a continuous effort (starting from the disbursement of credit until the credit is paid off, including solving the problem). If the terms of lending procedures and phasing, Rural Banks (BPR) Wlingi Pahala Pakto Blitar been good enough in applying the practices that are healthy. Yet more important is the change in mental attitude is better for the future, particularly in implementing healthy practices in carrying out activities pernghimpunan funds and disbursement of credit by rural banks (BPR) Wlingi Pahala Pakto Blitar. Precautionary principle must remain firmly held by all bank employees, especially those who are placed on the credit. Forms kehatin principle can diwujudnyatakan attention in activities of daily bank clerk

Item Type: Thesis (Other)
Subjects: H Social Sciences > HB Economic Theory
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Rayi Tegar Pamungkas
Date Deposited: 21 Jun 2012 03:13
Last Modified: 21 Jun 2012 03:13
URI: http://eprints.umm.ac.id/id/eprint/8862

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