Analisis Penilaian Kredit Macet Menurut Undang-Undang Bank Indonesia pada PT. Bank panin KCU Suabaya Coklat
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Institusion
Universitas Katolik Darma Cendika
Author
Nugroho, Kornellius Agung
Subject
HF5601 Accounting
Datestamp
2023-03-17 04:21:46
Abstract :
In connection with the business world from various fields, many new business actors have emerged. This has resulted in the level of competition getting tighter, in this condition business actors are required to be able to compete. In the business world, banks have an important role to support the process of activities in it, such as funding in the form of lending. The granting of credit is a provision imposed in the process of granting credit. Based on the background, it can be concluded that the problem in this research is how to assess bad credit according to the Bank Indonesia law at PT. Panin Bank KCU Surabaya Chocolate. This research was conducted at PT. Bank Panin KCU Surabaya Chocolate, which is located at Jalan Chocolate No.7, Bongkaran, Kec. Cantian Customs, Surabaya. The research approach used in this research is a descriptive qualitative approach in the form of a case study. Data collection techniques used in this study by: Interview, Observation and Documentation. Research results Based on the information obtained that Panin Bank in conducting data analysis on debtors who will apply for credit such as Panin Bank customers themselves or their families from Panin Bank must use the 5C principle. The results of this study also conclude that the cause of bad loans at Panin Bank comes from internal and external factors. The solution uses the 5C principle system and is in accordance with the general lending rules.
In connection with the business world from various fields, many new business actors have emerged. This has resulted in the level of competition getting tighter, in this condition business actors are required to be able to compete. In the business world, banks have an important role to support the process of activities in it, such as funding in the form of lending. The granting of credit is a provision imposed in the process of granting credit. Based on the background, it can be concluded that the problem in this research is how to assess bad credit according to the Bank Indonesia law at PT. Panin Bank KCU Surabaya Chocolate. This research was conducted at PT. Bank Panin KCU Surabaya Chocolate, which is located at Jalan Chocolate No.7, Bongkaran, Kec. Cantian Customs, Surabaya. The research approach used in this research is a descriptive qualitative approach in the form of a case study. Data collection techniques used in this study by: Interview, Observation and Documentation. Research results Based on the information obtained that Panin Bank in conducting data analysis on debtors who will apply for credit such as Panin Bank customers themselves or their families from Panin Bank must use the 5C principle. The results of this study also conclude that the cause of bad loans at Panin Bank comes from internal and external factors. The solution uses the 5C principle system and is in accordance with the general lending rules.
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