Analisis kredit ukm bermasalah pada pt. bank rakyat indonesia (persero)kantor cabang.
Masters thesis, Institut Pertanian Bogor.
Analysis of Non Performing Loan of Small Business and Medium Enterprises at PT Bank Rakyat Indonesia (Persero) Branch X
Small business and medium enterprises (SME) have been getting a great attention by both the government of The Republic Indonesia and business community. Their existance have been forever to be the supporting sectors of the Indonesian economy, especially doing the crisis. However, distributing loan to this sector is considered to having a high risk business. In turn, the creditors change a relatively higher interest as compare to that of other business sectors.
Based on the situation above, we can formulate the purpose of this study is to : how bank internal management do in distributing SME loan such as loan process, loan monitoring process and loan administration system, what characteristic of SME that has non performing loans and how to indicate model of restructuring problem SME loan to make better position of the bank and what debtors can do in running their business well. This research uses descriptive research method by using frequency analysis to find out the problem of non performing loan and cash ini and cash out analysis to do restructuring and settlement problem loan.
The research, finds 19 main factors in internal debtor, 5 main factors in internal bank and external factors, and debtors considered as the cause of non performing loan. From the result of the verification on 33 problem debtors, there are 11 debtors whose busineses have already stopped and 6 other debtor whose businesses have already gone down and no prospectous at all. The rest, 16 debtor still have opportunity to do the credit restructuring. Of the 16 debtor, there are only 7 debtor cooperative and they are able to be advised a credit restructuring.
The obstacle of this research is the lack of information and debtors financial data after problem loan happened. Besides that, this research is sensitive for credit agent and debtor connected with the lack of guidelines after problem loan happened. Finally, it can be advised that the next research about non performning loan on SME should be focused on definite real sector in different working unit at banks so that the cause of non performing loan and the formula how to rescue the credit can be found on each real sector.
Thesis or Disertation
||BRI (Bank Rakyat Indonesia), Kredit Bermasalah, NPL (Non Performing Loan), UKM (Usaha Kecil dan Menengah
||12 Dec 2011 03:23
||12 Dec 2011 03:23
Actions (login required)