Septiani, Firda Lila (2015) Evaluasi sistem pembiayaan kredit agunan dengan sistem fidusia (kreasi): Studi kasus pada PT Pegadaian (Persero) Cabang Blitar. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.
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Text (Summary)
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Abstract
INDONESIA:
Penelitian ini bertujuan mengevaluasi sistem pembiayaan kredit yang diterapkan pada PT Pegadaian (Persero) Cabang Blitar, khususnya dalam hal pelaksanaan pembiayaan kredit dengan agunan sistem fidusia ( KREASI ) dengan cara membandingkan antara definisi teoritis yang dikemukakan oleh para ahli dengan implementasi yang ada di PT Pegadaian (Persero) Cabang Blitar, dan memberikan rekomendasi terhadap pelaksanaan sistem pembiayaan kredit agunan dengan sistem fidusia ( KREASI ) yang ada di PT Pegadaian (Persero) Cabang Blitar.
Penelitian ini menggunakan pendekatan deskriptif kualitatif. Tujuannya adalah menggambarkan secara sistematis terhadap fokus penelitian. Penelitian ini dilakukan melalui observasi langsung ke lokasi penelitian, wawancara dengan pihak yang terkait dengan penelitian, dan evaluasi terhadap dokumen yang menjadi pembahasan dalam penelitian di PT Pegadaian (Persero) Cabang Blitar. Data diperoleh dalam bentuk profil Perusahaan, formulir pembiayaan kredit, prosedur – prosedur terkait pembiayaan kredit agunan dengan sistem fidusia (Kreasi) dan data nasabah Kreasi dari tahun 2012 sampai dengan 2014 pada PT Pegadaian (Persero) Cabang
Blitar.
Hasil penelitian dilihat dari pengendalian internalnya menunjukkan bahwa dalam pelaksanaan sistem pembiayaan kredit agunan dengan sistem fidusia (Kreasi) sudah cukup baik, dan dilihat dari prosedur pemberian kredit, prosedur analisis kredit, prosedur deklarasi kredit, prosedur pembayaran angsuran, prosedur pelunasan kredit dan prosedur penarikan barang jaminan diketahui bahwa dalam pelaksanaannya secara keseluruhan menunjukkan prosedur - prosedur tersebut telah berjalan dengan baik.
ENGLISH:
This research aims to evaluate the system of credit financing applied in PT Pegadaian (Persero) Cabang Blitar, Especially in terms of the implementation of the financing of credit with collateral system fiduciary ( Kreasi) by way of comparing between the theoretical presented by experts in the implementation in PT Pegadaian (Persero) Cabang Blitar, and give recommendations for the implementation of the system of credit financing as collateral with fiduciary system ( Kreasi ) that is in PT Pegadaian (Persero) Cabang Blitar.
This research using descriptive qualitative approach. Then systematically the goal is described in the research. The study is done through direct observation to the location of the research, Interviews with related parties to research, and evaluating the documents being discussed in research in PT Pegadaian (Persero) Cabang Blitar. The data obtained in the form of company profile, A form of credit financing, Related procedures of credit financing system as collateral by fiduciary ( Kreasi ) and Creation data customers from 2012 until 2014 on PT Pegadaian (Persero) Cabang Blitar.
The results of research in terms of internal control shows that in the system implementation of credit financing collateral fiduciary system(Kreasi) has been good enough, and views of the procedure the provision of credit, credit analysis procedures, Procedure declaration of credit, The procedure for the payment installment, The procedure of the credit and the procedure the withdrawal of collateral known that in the implementation of overall showing the procedure of procedure has been running well.
Item Type: | Thesis (Undergraduate) | ||||||
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Supervisor: | Djalaluddin, Ahmad | ||||||
Contributors: |
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Keywords: | Evaluasi; Pembiayaan; Kredit; Agunan Sistem Fidusia; dan Pegadaian; Evaluation; Financing; Credit; and Collateral fiduciary system; | ||||||
Subjects: | 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1501 Accounting, Auditing and Accountability > 150111 Accounting System (incl. Accounting Information System) | ||||||
Departement: | Fakultas Ekonomi > Jurusan Akuntansi | ||||||
Location: | 150111 | ||||||
Depositing User: | Annas Al-haq | ||||||
Date Deposited: | 29 Sep 2015 15:55 | ||||||
Last Modified: | 29 Sep 2015 15:55 | ||||||
URI: | http://etheses.uin-malang.ac.id/id/eprint/2281 |
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