Analisis Kelayakan Kredit Calon Debitur Sebagai Dasar Pengambilan Keputusan Pemberian Kredit Modal Kerja (Studi Kasus Pada PT. Bank Harda Internasional Cabang Tanah Abang)

Kurniawan, Steria Kharisma (2014) Analisis Kelayakan Kredit Calon Debitur Sebagai Dasar Pengambilan Keputusan Pemberian Kredit Modal Kerja (Studi Kasus Pada PT. Bank Harda Internasional Cabang Tanah Abang). S1 thesis, STIE Indonesia Banking School.

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Abstract

The business of banks raise funds from the public in the form of savings and distribute to the public in the form of credit. For commercial banks, credit is the main source of income and also the high risk of business operations. Bank face several risk, one of them is Credit Risk, which is risk that a borrower or issuer of a money their raised. Therefore, bank have to act prudently in granting the loan. Bank can minimized credit risk by analyzing the feasibility of loan. There are some aspect analysis among qualitative aspect analysis and quantitatif aspect analysis. This research is a case study descriptive analysis method. The object of this research is the credit feasibility borrower in Bank Harda Internasional Branch Tanah Abang.Using one of the bank customer as the sample. Based on the analysis undertaken, qualitative aspect (including management, legal, marketing, technical, collateral and economics) shows that debtor is feasible to be funded. For quantitative aspect, past performance of debtor’s finance was solvable during one year. Working capital is not overfinancing but coverage ratio can not cover up the loan. Bank Harda Internasional Branch Tanah abang should gives loan amount Rp. 750.000.000 so coverage ratio debtor be 122%. Keywords : Qualitative aspect analysis, Quantitative aspect analysis.

Item Type:	Thesis (S1)
Subjects:	H Social Sciences > HF Commerce > HF5601 Accounting
Divisions:	Prodi S1 Akuntansi
Depositing User:	Ms Dyta Medina
Date Deposited:	08 Aug 2020 13:50
Last Modified:	17 Jul 2024 01:22
URI:	http://repository.ibs.ac.id/id/eprint/789

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