Pengaruh prosedur, pencairan, dan pengawasan pemberian kredit terhadap risiko kredit macet pada PT. Bank Rakyat Indonesia Kantor Unit Sawojajar Malang

Fatich, Cicik Rochmani (2012) Pengaruh prosedur, pencairan, dan pengawasan pemberian kredit terhadap risiko kredit macet pada PT. Bank Rakyat Indonesia Kantor Unit Sawojajar Malang. Undergraduate thesis, Universitas Islam Negeri Maulana Malik Ibrahim.

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Abstract

INDONESIA:

Prosedur pemberian kredit, pencairan kredit dan pengawasan kredit merupakan variabel yang sangat erat kaitanya dalam mengurangi risiko kredit macet. Oleh karena itu penelitian ini bertujuan untuk mengetahui pengaruh prosedur pemberian kredit, pencairan kredit, dan pengawasan kredit ini terhadap risiko terjadinya kredit macet, baik secara parsial maupun simultan.

Pengujian ini dilakukan dengan menggunakan regresi linier berganda. Sebelum melakukan uji regresi maka dilakukan uji asumsi klasik yang meliputi uji normalitas, multikolinieritas, heteroskedastisitas, dan autokorelasi.

Dari hasil penelitian ini prosedur pemberian kredit sudah memenuhi syarat prinsip-prinsip 5c & 7p kredit. secara simultan dengan level of significant 10%, prosedur pemberian kredit, pencairan kredit, dan pengawasan kredit berpengaruh signifikan dalam mengurangi tingkat risiko kredit macet. Secara parsial variabel prosedur pemberian kredit dan pengawasan kredit berpengaruh signifikan terhadap tingkat risiko kredit macet, akan tetapi dalam penelitian ini variabel pencairan kredit tidak berpengaruh signifikan terhadap tingkat risiko kredit macet karena pencairan kredit akan dilaksanakan jika prosedur dan syarat-syarat pengajuan kredit telah dilakukan oleh nasabah.variabel yang paling dominan dalam penelitian ini adalah pengawasan kredit dengan pendekatan kekeluargaan. Variabel bebas yang terdiri dari (prosedur pemberian kredit, pencairan kredit, dan pengawasan kredit) dapat menjelaskan model variabel terikat yaitu kredit macet sebesar 61,2% sedangkan sisanya 38,8% dijelaskan oleh variabel bebas lainnya.

ENGLISH:

Lending procedures, loan disbursement and credit monitoring is a variable that is closely related in reducing the risk of bad debts. Therefore, this study aimed to determine the effect of credit procedures, loan disbursement, and monitoring these credits toward the risk of bad debts, either partially or simultaneously.

The Testing conducted using multiple linear regression. Before doing the regression test classical assumption test is performed, including tests of normality, multicollinearity, heteroscedasticity, and autocorrelation.

From these results the procedure already qualified lending principles 7p & 5c credit. Simultaneously with a significant level of 10%, lending procedures, loan disbursement, and oversight of credit have a significant effect in reducing the risk of bad debts. Partial variable lending procedures and controls have a significant credit risk toward the level of bad credit, but in this study the variable loan disbursement has no significant effect on the risk of bad debts because of credit disbursement will be made if the procedures and terms of credit have been made by the customer.The most dominant variable in this study is the supervision of credit with a family approach. Independent variables which consist of (lending procedures, loan disbursement, and credit control) could explain the model of the dependent variable that is non-performing loans amounting to 61.2% while the remaining 38.8% is explained by other independent variables.

Item Type: Thesis (Undergraduate)
Supervisor: Fitriyah, Fitriyah
Keywords: Prosedur Pemberian Kredit; Pencairan Kredit; Pengawasan Kredit; Risiko Kredit Macet; Lending Procedures; Loan Disbursement; Supervision Credit; Credit Risk Loss
Subjects: 15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment > 150203 Financial Institutions (incl. Banking)
Departement: Fakultas Ekonomi > Jurusan Manajemen
Location: 150203
Depositing User: Ratih Novitasari
Date Deposited: 09 Oct 2015 03:16
Last Modified: 09 Oct 2015 03:16
URI: http://etheses.uin-malang.ac.id/id/eprint/2379

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