Fitriamawardani, Rizka (2013) Analisa Sistem dan Prosedur Pemberian Kredit Modal Kerja Untuk Meningkatkan Pengendalian Internal (Studi pada Bank Central Asia Kantor Cabang Utama Malang). Sarjana thesis, Universitas Brawijaya.
Abstract
Pemberian kredit merupakan salah satu kegiatan bank yang memiliki risiko yang besar, seperti terjadinya wanprestasi debitur terhadap dana kredit yang dipinjamkan. Oleh karena itu, dalam prosesnya pemberian kredit harus dengan pengelolaan yang baik, baik dari segi sistem dan prosedur, pengendalian internal, serta penyelesaian terhadap kredit bermasalahnya. Penelitian ini bertujuan untuk mengetahui pelaksanaan sistem dan prosedur yang diterapkan, penyelesaian terhadap masalah yang dihadapi, dan pengendalian internal yang diterapkan terkait pemberian kredit modal kerja. Penelitian dilakukan dengan menggunakan metode wawancara dan dokumentasi terhadap beberapa sumber sekunder. Dari hasil penelitian diperoleh kesimpulan bahwa pada penerapan sistem dan prosedur pemberian kredit modal kerja telah disesuaikan dengan peraturan, dimana dalam prosesnya tidak terjadi penggandaan tugas. Namun tanggung jawab yang besar dibebankan kepada Account Officer yang berperan sebagai pemasar dan analis risiko. Kemudian untuk pengendalian internal yang diterapkan, yang berkaitan dengan pemberian kredit modal kerja, telah dilaksanakan dengan baik dan sesuai dengan ketentuan yang berlaku. Hal ini terbukti pada angka rasio NPL- Non Performing Loans untuk kredit bermasalah yang cenderung menurun untuk kurun waktu lima tahun. Untuk solusi yang diterapkan dalam penyelesaian kredit bermasalah tidak membebankan debitur, yakni dengan memberikan pendampingan kepada debitur bermasalah, dan memberikan keringanan bunga dan angsuran hingga dana bank dapat dilunasi atau dikembalikan.
| Item Type: | Thesis (Sarjana) |
|---|---|
| Identification Number: | SKR/FE/2013/216/051305088 |
| Subjects: | 600 Technology (Applied sciences) > 658 General management |
| Divisions: | Fakultas Ekonomi dan Bisnis > Manajemen |
| Depositing User: | Endang Susworini |
| Date Deposited: | 05 Jun 2013 09:29 |
| Last Modified: | 18 Oct 2021 12:52 |
| URI: | http://repository.ub.ac.id/id/eprint/106629 |
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