ANALISIS KEBIJAKAN PEMBERIAN KREDITPADA BANK JATIM MALANG

ASTUTI, DWI (2009) ANALISIS KEBIJAKAN PEMBERIAN KREDITPADA BANK JATIM MALANG. Other thesis, University of Muhammadiyah Malang.

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Abstract

This research represent case study at Bank of Jatim Branch Malang, with title " Analysis Policy of giving of credit at Bank of Jatim Branch Malang" Target of this research is to more knowing and comprehending procedure and also factors becoming consideration in decision making of giving of credit by part of credit analysis in Bank of Jatim Branch Malang. used Analyzer to be more know and comprehend procedure and also factors becoming consideration in decision making of giving of credit by part of credit analysis in Bank of Jatim Branch Malang. That is using ratio analysis, that is Likuiditas, Solvability, Rentability. From result of calculation of analysis above, Character of good enough debitor candidate. This matter is relied on qualitative analysis which show situation of household, social relation, and situation of household if/when seen from good enough economic storey;level. Capacity of debitor very either due from result of ratio analysis of likuiditas show value which high enough. This matter indicate that debitor can to repay given credit. And solvability ratio analysis because level of estae had bigger than total liabilities. Condition of good enough debitor because type of is effort/ yielded product with quality and can be permeated by market. Where debitor candidate have cutomer remain to in marketing yielded product. Collateral given by client debitor enough cover the level of capital to be given. Pursuant to considerations above hence earning in concluding that both debitor candidate ought to be given by credit facility. And consideration of giving of credit is pursuant to factor 5 C. Where most having an effect on factor in decision making of giving of credit is and capacity of collateral. This matter because of in searching qualitative information specially to assess bank charakter look for information to neighbour around debitor candidate, information which in yielding from the assessment in assuming less accurate because do not closed possibility that neighbour around the debitor candidate give wrong information. In assessing condition, bank conduct assessment to type of is effort and market compartment. Result of from this assessment in assuming less can give information able to in using as reference in decision making because having an effect on to sale and in the end will have an effect on to fertilization of profit is the quality of market compartment product, prospect of is effort, and marketing strategy. While factor of capital will difficult to in believing its insuffiency because for rural society exist in generally have work as merchant and farmer, hence very rare which carry out monetary role so that financial statement in compiling just for need of analysis. Thereby earn in concluding that factor 5 C especially and capacity of collateral represent factors becoming consideration in decision making of giving of credit by Bank of Jatim Branch Malang.

Item Type: Thesis (Other)
Subjects: H Social Sciences > H Social Sciences (General)
Divisions: Faculty of Economic > Department of Accounting
Depositing User: Anwar Jasin
Date Deposited: 22 Mar 2012 10:10
Last Modified: 22 Mar 2012 10:10
URI: http://eprints.umm.ac.id/id/eprint/932

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