Analisis Sistem dan Prosedur Pemberian Kredit Konsumtif pada PD BPR Bank Buleleng 45

Analisis Sistem Dan Prosedur Pemberian Kredit Konsumtif Pada PD. BPR Bank Buleleng 45

Authors

  • Putu Megarani Sukarini Putri Universitas Pendidikan Ganesha
  • Desak Nyoman Sri Werastuti Universitas Pendidikan Ganesha

DOI:

https://doi.org/10.23887/jiah.v12i3.50326

Keywords:

system, procedure, comsumptive credit

Abstract

This study aims to determine the system and procedure of consumptive  credit granting to PD.  BPR Bank Buleleng 45. PD. BPR Bank Buleleng 45 is the subject of this  research. Descriptive method a qualitative approach  is used in this study . This research result indicates (1) The consumptive credit system of PD. BPR Bank Buleleng 45 is initiated by debtor applying for credit by filling out a form and cmpleting the file. Debtor files are recoded and checked by the administration. Account Officer conducts survey and analysis. Perform risk level analysis by risk management. Management holds credit meetings to make decisions, re-check, make SPK, and disburse credit. The Accounting Department keeps books, loan books, and notes. Dokuments are evaluated and kept by PE Audit. The debtor signs the SPK, receives the money and the loan book.  (2) The procedure for granting consumptive credit to PD. BPR Bank Buleleng 45 is the submission of files, investigation of files, initial interviews, on the spot, credit decision, signing of credit contracts, credit realization, and distribution/withdrawa i of funds.

References

Istatik, N. W., & Sulfikar. (2020). Pengaruh Risiko Kredit, Struktur Kepemlikan, Ukuran Perusahaan, Sustainability Reporting Dan Islamic Corporate Social Responsibility Terhadap Kinerja Keuangan. Universitas Muhammadyah Surakarta.

Kasmir. (2015). Manajemen Perbankan. Rajawali Pers

Masrunsyah, A. P. (2018). ANALISIS PENYALURAN KREDIT PADA PERBANKAN INDONESIA DITINJAU DARI RASIO KEUANGAN. EKONOMIA, 7(1), 048–059.

Sastari, K. R. (2019). Tinjauan Atas Analisis Prosedur Pemberian Kredit Konsumtif Pada Pt. BPR Padma Cabang Singaraja. Jurnal Akuntansi Profesi, 10(1), 28.

Sesiady, N. A. (2018). Analisis Sistem dan Prosedur Pemberian Kredit Modal Kerja dalam Upaya Mendukung Pengendalian Intern (Studi Pada PT. BPR Nusamba Wlingi Cabang Kepanjen). Universitas Brawijaya

Downloads

Published

2023-01-01

Issue

Section

Articles