Analisa Kriteria Calon Debitur Untuk Mengurangi Risiko Kredit Pada Pt. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Kusuma Bangsa Surabaya

Putri, Elvira Dwi Retnani Handono (2017) Analisa Kriteria Calon Debitur Untuk Mengurangi Risiko Kredit Pada Pt. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Kusuma Bangsa Surabaya. Diploma thesis, STIE Perbanas Surabaya.

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Abstract

Banks in decision-making require information about prospective borrowers to find out how much kemampuam the prospective borrower. Banks are required to have a better understanding of environmental conditions in analyzing the selective and credit guidance by an Account Officer (AO) to anticipate or reduce the risk of non-performing loans. Therefore, the authors are interested in conducting research to determine the process of criteria analysis of prospective borrowers for credit risk in PT. Bank Rakyat Indonesia (Persero) Tbk Kusuma Bangsa Branch. The research method used is descriptive method. Based on the results of research at PT. Bank Rakyat Indonesia (Persero) Tbk Kusuma Bangsa Branch that credit analysis must be made complete including aspects about the appraisal of the feasibility of the number of loan applications, the aspect of the ability of prospective borrowers will pay off the debts, and the guarantee aspects to cover all debts to the bank. In conducting credit analysis or credit rating to be more cautious and always guided by the 5C principle and checking on BI Checking can be a benchmark whether the credit application can be followed up or not. Keywords: Analysis, Credit, Account Officer (AO)

Item Type: Thesis (Diploma)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
Divisions: Finance and Banking Diploma > Practice Working Report
Depositing User: Perpustakaan STIE Perbanas Surabaya
Date Deposited: 12 Mar 2019 04:56
Last Modified: 21 Oct 2019 03:19
URI: http://eprints.perbanas.ac.id/id/eprint/4183

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