ANALISIS RESTRUKTURISASI KREDIT USAHA KECIL CV M DENGAN METODE DUPONT(STUDI KASUS PADA DEBITUR DI SENTRA KREDIT KECIL BANK X MALANG )
| Main Authors: | , Sugeng Ayu Ratri Utami, , Prof. Dr. Abdul Halim, M.B.A. |
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| Format: | Thesis NonPeerReviewed |
| Terbitan: |
[Yogyakarta] : Universitas Gadjah Mada
, 2011
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| Subjects: | |
| Online Access: |
https://repository.ugm.ac.id/89881/ http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=51143 |
Daftar Isi:
- The decrease of NPL significantly can be eliminate through restructuring and recovering of dominant NPL borrower/ debtor. CV. M is one of the dominant NPL borrower in the Small Processing Loan Centre of Bank X Malang. This study aims to assess the feasibility of restructuring efforts through financial analysis, estimating the performance of a company's prospects which are not able to fulfill its obligations to the bank as a basis to determine the sustainable growth of the NPL debtors and determine the steps needed to deal with NPL debtors. The first analysis by calculating financial ratio CV.M period 2006-2008. The next step is calculating Sustainability Growth Rate (SGR) using Dupont method developed by Emery (2000). At this stage the data are analyzed period 2001 � 2017 (including projected financial data). Then the SGR compared with the real / its projected growth. The result is to determine whether the company's ability to grow in the presence of leverage (bank debt in this case) in the long run improve a better performance of the company or otherwise just lead the impact on the bankruptcy. Means, the company feasible to be restruckted or not. From those results can be known what are the necessary recovering step for CV. M. As a result, CV. M. is not feasible in restructuring and other efforts are needed to recover the credit. Thus the evaluation of restructuring non-performing loan using the methods of financial analysis and Sustainability Growth Rate can be used to determine the appropriateness of a restructured company.