Department of Management, 2008

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ANALISIS KEBIJAKAN PENGUMPULAN DANA ATAS KREDIT MACET PADA BRI UNIT KALIPARE

Erika Rizky Yunita

Abstract


This Research represent case study entitling "Analysis Policy Of Fund Gathering Of Credit Stuck at PT.BRI Unit of Kalipare". BRI Unit of Kalipare this make a move in the field of accumulator of fund of society and dealer of fund return at society which in the form of loan / its credit, especially for small industry.
Target of this Research is to know policy of credit applied for credit stuck that have as according to policy of public of BRI Center. And how impact policy of its credit.
This research represents research of quantitative descriptive by using the secondary data. Data type in this research is public picture of factory data, data of bank giving of year credit 2004 - 2006, data history of BRI Unit of Kalipare, organization chart, dsb. Analyzer with method compare applied policy with policy of public of BRI Center, Analyze loan collectibility, evaluate descriptive 5C, Analysis policy of credit in percentage of its which during the time specified by BRI Unit of Kalipare.
Pursuant to first target, the result analysis comparison of public policy of BRI Center and which is applied by BRI Unit Kalipare not according yet. Amount of channelled by credit is year 2004-2005 experiencing of credit and improvement have problem also increase. It indicates that along the amount of given credit mount because more and more him of[is amount of resident mean more and more also requirement to produce caused by demand for consume goods / service more and more their too, also require capital addition by credit loan at bank. Amount of credit have problem to mount because earning because of installment delay in payment / credit installment by debitor, either due intended and also there are no client intention deposit. Although in the form of and deposit of Simpedes mount per annum caused by trust of client to BRI Unit of Kalipare.
Pursuant to result of analysis, the researcher can give implication in policy of credit shall pay attention regulation of credit procedure and credit especially factor 7C, 5P and 3R, improving correctness of officer of credit in assessing debitor character at the (time) of proffering of applicant of and credit of capacity client.

 

Keyword : Kebijakan Kredit, Kredit Macet



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