ANALISIS PENILAIAN KREDIT DAN RISIKO USAHA PADA PT. BPR ARTOREJO BATU
| Main Author: | Tarwiyah, Tarwiyah |
|---|---|
| Format: | Thesis NonPeerReviewed |
| Terbitan: |
, 2014
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| Subjects: | |
| Online Access: |
http://eprints.umm.ac.id/14511/ |
Daftar Isi:
- Credit and business risk assessment is needed by companies, especially banks. Credit assessment is useful for preventing the occurrence of bad debts or non-performing loans. While business risk ratios are used to calculate how much risk is owned by the company, in anticipation of the company to prevent the harm caused by business risks. The purpose of this study was to determine how credit scoring is done by PT. BPR Artorejo Batu and to know the business risks faced by PT. BPR Artorejo Batu. The analytical tool that is used for credit scoring credit scoring 6 C (character, capacity, capital, collateral, condition, and constrains) are adjusted to the standard proposed by Siamat. To analyze business risk using credit risk, liquidity risk, and the risk of deposits. Based on the analysis performed 6 C can be seen that PT. BPR Artorejo Batu has run 6 C analysis in accordance with standards set out by Siamat. However, for credit scoring analysis for customers who do not value their loans slightly in depth survey. For business risk experienced by banks such as credit risk and liquidity risk is not too high. But at the deposits risk the percentage savings.