PENERAPAN PERUSAHAAN UMUM JAMINAN KREDIT INDONESIA (PERUM JAMKRINDO) PADA KREDIT USAHA RAKYAT (KUR) DI PT. BANK JATIM CABANG BATU
| Main Author: | Yani, Yuyun Eka |
|---|---|
| Format: | Thesis NonPeerReviewed |
| Terbitan: |
, 2012
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| Subjects: | |
| Online Access: |
http://eprints.umm.ac.id/18546/ |
Daftar Isi:
- Credit is an important role for bank operation because credit is the biggest part of bank treasure and the source of bank income. The activities of distributing credit contain a very big risk, especially for people business credit/kredit usaha rakyat (KUR) which is a government program. To avoid that credit risk the bank applies risk management among other things by using insurance credit. That is why the writer conducted this study entitled "The Application of public factory collateral credit Indonesia (PERUM JAMKRINDO) on Kredit Usaha Rakyat (KUR) in PT. Bank Jatim of Batu". This study is aimed to know kinds of insurance on credit, how the collectability of kredit usaha rakyat, and to know how the application of public factory collateral credit Indonesia (PERUM JAMKRINDO) on kredit usaha rakyat in PT. Bank Jatim of Batu. The study used was descriptive qualitative namely collecting the data by describing the application of public factory collateral credit Indonesia (PERUM JAMKRINDO) on kredit usaha rakyat (KUR) in PT. Bank Jatim of Batu. The method of this study, information have been collected by documentation and literature study. The result of the discussion that there were 3 kind of insurance in credit distribution namely: man insurance, fire insurance, and people business credit insurance. While claim proposal of people business credit would be done when credit collectability 4 (doubted) and 5 (stuck). The application of public factory collateral credit Indonesia (PERUM JAMKRINDO) on people business credit consist of 5 stages namely: the procedure of implementation in credit giving guarantee, the procedure of claim proposal on people business credit, the claim decision, the authority of claim right and the miscarry of claim right. This study concluded that PT. Bank Jatim of Batu Branch apply giving a guarantee credit on kredit usaha rakyat was a part of bank risk management.