ANALISIS RISIKO PENGEMBALIAN KREDIT PADA KOPERASI SIMPAN PINJAM (KSP) ARTHA PERSADA DI DESA DAYU KECAMATAN NGLEGOK KABUPATEN BLITAR

FRENDY YANWAR MAHADIN

Abstract


Cooperative role, notably Saving And Lending Co-op (KSP) progressively is of important deep increase economic growth. KSP becomes one of alternative for society to get fund in the effort fix life level, the need accomplishment day-to-day and
developmental effort. Credit security problem constitute problem who shall be noticed. Risk who may arise deep credit channelizing system and pretty much will beget its misfire credit which given unto by client so ensues bad to co-op operational viability.
So is required a credit management that constitutes, credit application procedure, analisis is credit application until to credit management operation that good beginning of credit amount planning, rate of interest determination and stagnant credit observation. A cooperative society Saving And Lending personation can warm up firm and independent effort, via credit application effort it shall can increase application system
effectiveness credit and tries as good as maybe reduce credit failing risk. Therefore, credit channelizing shall be gone upon on carefulness principle and with analisis financial statement that really. To the effect this research is descripted needed requisite to propose credits at KSP Artha Persada, descripted runs the risk jam that experienced by Saving And Lending Co-op (KSP) Artha Persada, and descripted Is aging schedule, averagely aged credit, and receivable turn over in reduce credit jam risk. analisis's method that is utilized in analisis runs the risk credit return, which is account jam risk by use of aging schedule approaching, determining receivable turn over, and determining averagely credit age. Stipubting who shall be accomplished to propose credit on KSP Artha Persada, is BPKB original and xerox (duplex 3), STNK'S xerox (duplex 3), family Card xerox (duplex 3), KTP /'S xerox Driving License (duplex
3), years minimal vehicle 1985, ricek is vehicle, and vehicle in keaadaan standart / well (vehicle shall be taken in). analisis's result receivable turn over and on a par credit age points out that receivable turn over and on a par credit age that experienced by KSP ? Artha Persada ? up to 2 adverse book years for from smaller count results from standart what does diberlakukan by co-op parties. Ratio third that gets to reduce credit jam risk up to 2 year bind books at KSP ? Artha Persada ?. Ratio third that point out credit which already close to tempos or was overdue and have to be charged and gets memperketat
credit proffering stipubtings.

 

Keyword : Analisis, risiko, kredit

 

Link Terkait : http://skripsi.umm.ac.id/files/disk1/340/jiptummpp-gdl-s1-2009-frendyyanw-16991-PENDAHUL-N.pdf


Keywords


Analisis; risiko; kredit