SHOLIKHA, DWI LUTFIATUS (2015) PENGARUH PENILAIAN KELAYAKAN KREDIT DAN INFORMASI AKUNTANSI TERHADAP KEPUTUSAN PEMBERIAN KREDIT PADA BANK UMUM DI SURABAYA. Undergraduate thesis, STIE PERBANAS SURABAYA.
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Abstract
Credit is the main source of income of the largest banks and the source of the highest risk threatening the bank's financial liquidity. To minimize the risk of bad debts is required in a professional by credit analysts credit assessment before granting credit granting decision so important to do this research. This study aims to determine the effect of the credit worthiness assessment of 5C (character, capacity, capital, collateral and conditions economy) and accounting information on lending decisions, especially in commercial banks in Surabaya. This study used a sample of 56 credit analysts in 13 private commercial bank foreign exchange, non-foreign and SOES in Surabaya. This study using sampling purposive sampling for the method. Data collected by distributing questionnaires to credit analysts who will be the population in this study. Analysis of the data in this study using multiple linear regression analysis. From the results obtained indicate that the variable credit worthiness assessment visits of 5C (character, capacity, capital, collateral and condition economy) and accounting information has positive influence on bank lending decisions in commercial banks in Surabaya. To prevent the risk of bad loans the bank had to do with s strong credit control assesses the credit worthiness 5C and optimally accounting information of the debtor in appropriate lending decisions. Keywords: 5C (character, capacity, capital, collateral and conditions of economy), accounting information, lending decisions.
| Item Type: | Thesis (Undergraduate) |
|---|---|
| Subjects: | 600 - TECHNOLOGY > 650 - 659 MANAGEMENT & PUBLIC RELATIONS > 657 - ACCOUNTING > 657.9 - ACCOUNTING-BANK |
| Divisions: | Bachelor of Accountancy |
| Depositing User: | Perpustakaan Universitas Hayam Wuruk Perbanas |
| Date Deposited: | 26 Jul 2016 05:47 |
| Last Modified: | 12 Feb 2018 07:18 |
| URI: | http://eprints.perbanas.ac.id/id/eprint/290 |
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