Peran Administrasi dan Legal Kredit Dalam Prosedur Pengelolaan Realisasi Pinjaman “ Bank Jatim Cabang Utama Surabaya”

Dzalfani, Melfine Jessita (2025) Peran Administrasi dan Legal Kredit Dalam Prosedur Pengelolaan Realisasi Pinjaman “ Bank Jatim Cabang Utama Surabaya”. Diploma thesis, Universitas Hayam Wuruk Perbanas.

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Abstract

This study aims to analyze the role of Credit Administration and Legal Credit in the loan disbursement management procedure at PT Bank Jatim Tbk, Main Branch Surabaya. The research employed a descriptive qualitative method using observation, interviews, and documentation as data collection techniques. The findings indicate that Credit Administration plays a key role in ensuring document completeness, data validation, and system input before loan disbursement, while the Legal Credit unit focuses on verifying the legal aspects of loan agreements, collateral validity, and compliance with regulations. Coordination between both units is carried out through joint document reviews, cross-division meetings, and the use of digital checklist systems to minimize errors and delays. The discussion highlights that synergy between Credit Administration and Legal Credit creates a more efficient, secure, and legally compliant loan disbursement process, although challenges remain in adapting to regulatory changes that cause delays in validation. Recommendations include enhancing staff competence, implementing digitalized document management, and establishing more structured cross-division communication protocols. This study provides practical contributions to strengthening internal control systems in the banking sector. For future research, it is suggested to focus on legal risk analysis in multi-borrower credit agreements or the impact of digital transformation on credit administration efficiency, which may enrich both academic literature and practical applications in loan management.

Item Type:	Thesis (Diploma)
Subjects:	600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.15 - FINANCIAL MANAGEMENT 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.151 - FINANCIAL CONTROL 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 658 - GENERAL MANAGEMENT > 658.403 8 - MANAGEMENT INFORMATION SYSTEM
Divisions:	Finance and Banking Diploma > Practice Working Report
Depositing User:	Melfine Jessita Dzalfani
Date Deposited:	23 Sep 2025 02:32
Last Modified:	23 Sep 2025 02:32
URI:	http://eprints.perbanas.ac.id/id/eprint/13787

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