Ifada, Anisa Aulia and Anisya Sukmawati, SE., M.SA., Ak (2023) Analisis Upaya Dan Strategi Peng-Optimalan Pembiayaan Kredit Bermasalah Pada PT Pegadaian Cabang Gresik. Diploma thesis, Universitas Brawijaya.
Abstract
Perkembangan usaha di era sekarang semakin meningkat seiring dengan perkembangan zaman. Adanya pandemic Covid-19 menyebabkan perekonomian masyarakat khususnya di bidang usaha mikro menurun. Permasalahan dari penelitian ini adalah pembiayaan bermasalah yang ada di PT Pegadaian Cabang Gresik yang kebanyakan disebabkan oleh usaha masyarakat yang menurun drastis. Pembiayaan bermasalah yang menumpuk akan menjadi NPL (Non Performing Loan) dalam sebuah perusahaan. NPL yang tinggi akan menyebabkan penurunan kinerja atau KPI dalam sebuah perusahaan khususnya PT Pegadaian Cabang Gresik. Tunjuan dari penelitian ini yaitu untuk mengetahui strategi penyelesaian serta dampak yang terjadi pada PT Pegadaian Cabang Gresik dalam berupaya menurunkan tingginya kredit bermasalah. Penelitian ini berupa penelitian kualitatif deskriptif dengan pengumpulan data melalui observasi dan wawancara dengan Manager Non Gadai, Account Officer, Admin Mikro, dan BPO Collective (Penagihan) pada PT Pegadaian Cabang Gresik. Data yang diperoleh melalui observasi dan wawancara dijabarkan menjadi paragraf deskripsi. Hasil penelitian ini menyimpulkan bahwa ada beberapa strategi yang sering digunakaan di PT Pegadaian Cabang Gresik dalam mengatasi pembiayaan bermasalah diantaranya monitoring nasabah, rescheduling, reconditioning, restrukturisasi, eksekusi jaminan, pengajuan klaim asuransi, eksekusi jaminan, take over, serta pemberian ekstra diskon.
English Abstract
Business development in the current era is increasing along with the times. The existence of the Covid-19 pandemic has caused the community's economy, especially in the micro business sector to decline. The problem of this research is the problematic financing at PT Pegadaian Gresik Branch, which is mostly caused by the drastic decline in community businesses. Problem financing that has accumulated will become an NPL (Non Performing Loan) in a company. A high NPL will cause a decrease in performance or KPI in a company, especially PT Pegadaian Gresik Branch. The purpose of this study is to find out the settlement strategy and the impact that has occurred on PT Pegadaian Gresik Branch in trying to reduce the high number of non-performing loans. This research is a descriptive qualitative research with data collection through observation and interviews with Non Pawn Managers, Account Officers, Micro Admins, and BPO Collective (Billing) at PT Pegadaian Gresik Branch. The data obtained through observation and interviews are translated into descriptive paragraphs. The results of this study conclude that there are several strategies that are often used at PT Pegadaian Gresik Branch in dealing with problematic financing including customer monitoring, rescheduling, reconditioning, restructuring, executing collateral, filing insurance claims, executing collateral, take over, and giving extra discounts.
| Item Type: | Thesis (Diploma) |
|---|---|
| Identification Number: | 0523170511 |
| Uncontrolled Keywords: | Strategi, Pembiayaan, Non Performing Loan (NPL).Strategy, Financing, Non Performing Loan (NPL). |
| Divisions: | Program Vokasi > Keuangan dan Perbankan |
| Depositing User: | soegeng sugeng |
| Date Deposited: | 13 May 2024 06:59 |
| Last Modified: | 13 May 2024 06:59 |
| URI: | http://repository.ub.ac.id/id/eprint/219106 |
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