Implementasi Pengawasan Kredit USAha Kecil Dan Menengah Dalam Upaya Menekan Tunggakan Kredit (Studi Pada PT Bprs Amanah Sejahtera Gkb, Gresik-Jawa Timur Periode 2012-2014)

Surya Ingga Novembria • Topowijono Topowijono • Dwiatmanto Dwiatmanto
Journal article Jurnal Administrasi Bisnis S1 Universitas Brawijaya • April 2016 Indonesia

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(Bahasa Indonesia, 11 pages)

Abstract

This research aimed to find out the implementation of small and medium scale enterprise (SME) credit supervision and the efforts taken by PT BPRS Amanah Sejahtera GKB, Gresik-East Java to reduce debt. The research utilized a descriptive qualitative research framework. The focus of this research was supervision of Small- and Medium-Scale Enterprise (SME) credit in 2012-2014 and the credit efforts that were taken by PT BPRS Amanah Sejahtera GKB, Gresik-East Java. The results showed that PT BPRS Amanah Sejahtera GKB, Gresik-East Java in 2012-2014 has a debt with an NPF ratio that has surpassed the threshold of reasonableness, above 5%, and the company was deemed to be in an unhealthy state. This can be seen in the NPF ratios of 2012,2013,and 2014, which were 7.7%,8.8%,and 11.5%. The debt was caused due to the fault of the Account Officer in analyzing the ceiling value, bad depositor mentality, a decrease in depositor businesses, and a disaster. Credit supervision lacked because supervision was not performed routinely, and credit monitoring only consisted of withdrawal after a preliminary report. This research,reschedulling, restructuring,and even asset repossession need to be conducted. Routine scheduled physical checks, xamination of period debtor financial records, and training of account officer abilities.

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Jurnal Administrasi Bisnis S1 Universitas Brawijaya

Jurnal Administrasi Bisnis S1 Universitas Brawijaya merupakan jurnal ilmiah yang memuat artikel b... see more