ANALISIS PELAKSANAAN PEMBERIAN KREDIT PADA PT. BPR DIAN BINARTA ARGA MAKMUR BENGKULU UTARA

Jayanti, Leny Dwi and Alfansi, Lizar and Anggarawati, Sularsih (2014) ANALISIS PELAKSANAAN PEMBERIAN KREDIT PADA PT. BPR DIAN BINARTA ARGA MAKMUR BENGKULU UTARA. The Manager Review Jurnal Ilmiah Manajemen, 15 (4). pp. 642-683. ISSN 1979-2239

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Abstract

The purpose of this study is to analyze the influence internal conditions of BPR, condition of debtors and environmental conditions of BPR, credit strategy at PT. BPR Dian Binarta Arga Makmur North Bengkulu. Data collection methods is observation and distributing questionnaires to the 57 people, they are Accounts Officer, Loan admin, branch manager, and cash office manager at PT. BPR Dian Binarta Arga Makmur North Bengkulu. Quantitative methods of data analysis is looking for the average (mean) and scaling (scoring) of data, the method of qualitative data analysis is reducing data, data presentation (display), drawing conclusion and data verification. These results indicate that credit issue implementation is : to achieve credit marketing targets PT. BPR Dian Binarta Arga Makmur North Bengkulu give low lending rates and provide longterm credit and to provide convenience to the borrowers to apply for loans. The implementation of the credit issue is credit irregularities at PT. BPR Dian Binarta Arga Makmur North Bengkulu with NPL ratio exceed 5% due and many debtors have delinquent loans exceed 270 days. In the implementation of credit issue strategy to achieve credit targets and deal with competitors at PT. BPR Dian Binarta, among others; ease lending procedures, providing a high tolerance to the Debtors in arrears, giving a relatively low interest rate, long term loans, credit authority was limited to the head office cash, focus on new credit and credit quantity targets.

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