PROSEDUR PEMBERIAN KREDIT MODAL KERJA PADA PT. BPR MANDIRI ADIYATRA LAWANG MALANG
| Main Author: | CRISNAWATI, RESTU ATIKA |
|---|---|
| Format: | Thesis NonPeerReviewed |
| Terbitan: |
, 2012
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| Subjects: | |
| Online Access: |
http://eprints.umm.ac.id/18534/ |
Daftar Isi:
- The research is a case study about work capital debt giving in PT. BPR Mandiri Adiyatra Lawang Malang. The research purpose is in find out about procedure of work capital debt giving in PT. BPR Adiyatra Lawang Malang and obstacles faced, also debtor, and development of customer and debt amount distributed in PT. BPR Mandiri Adiyatra Lawang Malang. Hypotheses assumed in this research is, procedure of work capital debt giving in PT. BPR Mandiri Adiyatra Lawang Malang is better. In doing research in PT. BPR Mandiri Adiyatra Lawang Malang researcher took a scope related with procedure of work capital debt giving procedure in PT. BPR Mandiri Adiyatra Lawang Malang. In analyzing data received, the writer used qualitative descriptive, which is revealing matters, condition, or events as the way it is, so it would be able to reveal fact to get exact and complete matters. Then the researcher gives the most correct problem solving from some solution alternative as this final assignment purpose. PT. BPR Mandiri adiyatra Lawang Malang applied pick-up-ball system in their marketing system technique. The research is, work capital debt in PT. BPR Mandiri Adiyatra Lawang Malang such as 1). Debt procedure, 2). Request Verification procedure, 3). Request processing procedure, 4). Debt disbursement procedure, 5). Journal Recording Procedure. Application of debt giving procedure in PT. BPR Mandiri Adiyatra Lawang Malang. Debt installment payment calculation. Loan repayment. Document used in debt giving process. Part related with debt giving system. In the discussion, the researcher would be able to decide what obstacles faced in work capital debt giving procedure in PT. BPR Mandiri Adiytara Lawang Malang. And also problem solving in debt giving obstacles at PT. BPR Mandiri Adiyatra Lawang Malang, also the amount of customer development and debt distributed in PT. BPR Mandiri Adiyatra Lawang Malang. According to the research and data analysis discussed before, it can be concluded that, work capital debt giving in PT. BPR Mandiri Adiyatra Lawang Malang is quite good according to procedure sequence formed debt giving system as the rule managed it. The procedure application started from debt request procedure, request verification procedure, agreement processing, debt disbursement procedure, to journal recording has been done well and effective. ThereÂ’s no complex process, so the customer would be able to accept the debt faster, which is between two and three days, and one week at most. Obstacles faced in work capital debt giving. Efforts done in facing obstacles faced and development of customer and distributed debt amount. The researcher suggest the bank to improve personnel ability via training and education to develop debt analysis to do attached monitoring in field.