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Analisa Proses Pemberian Kredit Mikro Utama


Oleh : Indri Yulyani

Info Katalog

Nomor Panggil :

Subyek : Credit;economic business;finance;money

Penerbit : FEB - Usakti

Kota Terbit : Jakarta

Tahun Terbit : 2011

Pembimbing 1 : Ishar Baharuddin

Pembimbing 2 :

Kata Kunci : process on bank lending, cash receipts procedures


File Repositori
No. Nama File Ukuran Status
1. 2011_TA_AK_023070061_7.pdf 515.09 (KB)
2. 2011_TA_AK_023070061_6.pdf 306.18 (KB)
3. 2011_TA_AK_023070061_5.pdf 673.95 (KB)
4. 2011_TA_AK_023070061_4.pdf 286.55 (KB)
5. 2011_TA_AK_023070061_3.pdf 521.24 (KB)
6. 2011_TA_AK_023070061_2.pdf 318.66 (KB)
7. 2011_TA_AK_023070061_1.pdf 389.28 (KB)

P Penyusunan skripsi ini bertujuan untuk mengetahui bagaimana proses pemberian kredit Mikro Utama pada Bank BJB, apakah prosedur yang telah diterapkan sudah memenuhi pengendalian internal yang memadai. Data penelitian diperoleh dari salah satu kantor cabang Bank BJB di Bekasi. Metode penelitian ini menggunakan metode deskriptif analisis yaitu memberikan gambaran secara rinci mengenai sistem pengendalian internal pada proses pemberian kredit yang diterapkan Bank BJB. Penelitian dilakukan dengan kunjungan langsung, wawancara dengan pihak-pihak yang terkait dalam pemberian kredit Mikro Utama pada Bank bjb, pengumpulan dokumen-dokumen, serta membandingkan dengan teori yang ada, untuk mengetahui pengendalian internal terhadap prosedur pemberian kredit bjb pada Bank bjb. Di dalam menganalisis pengendalian internal kredit mikro, penulis melihat dari beberapa sudut, mulai dari proses permohonan kredit, analisis kredit, persetujuan sampai pencairan kredit dimana proses yang dilakukan Bank bjb ini akan dibandingkan dengan seluruh aspek pengendalian internal menurut COSO (Committee of Sponsoring Organization) yaitu lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi, serta pengawasan. Dan juga dilakukan pengendalian internal dilihat dari sudut ketentuan perkreditan yang ditentukan oleh Bank Indonesia, apakah sudah sesuai dengan yang ditetapkan atau belum.

T The preparation of this thesis aims to find out how the process of granting the main micro credits of the Bank bjb, whether procedures have been implemented already meet the internal controls are adequate. The research data obtained from one of the Banks branch office in Bekasi. This research method using descriptive analytical method which gives a detailed description of the system of internal controls on credit granting process implemented by the Bank bjb. Research done by direct visits, interviews with the parties involved in the main micro lending in the Bank bjb, gathering documents, and compare with existing theory, to know the internal control procedures for the main micro lending in the Bank bjb. In analyzing the internal control the main micro credit, the authors see from several angels, ranging from the loan application process, credit analysis, approval and disbursement of credit of the settlement process where the process is conducted by the Bank bjb will be compared with all aspects of internal control by COSO (Committee of Sponsoring Organization), namely the control environment (as sees from the integrity and ethical values, commitment to competence, board or audit committee, management philosophy and operating style, organizational structure, authority and responsibilities, and policies and practices relating to human resource management), risk assessment, control activities (viewed from authorization and the activities of an adequate segregation of duties, design and use of adequate documents and records, asset custody and records an adequate, independent checks on performance), information and communication, and monitoring. And also conducted in internal control from the standpoint of credit provisions set by Bank Indonesia, is already in accordance with established or not.

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