ANALISIS PELAKSANAAN PENYALURAN KREDIT USAHA KECIL MENENGAH DALAM MENGATASI KREDIT MACET (STUDI KASUS PENYALURAN KREDIT BANK PERKREDITAN RAKYAT (BPR) HARTA MANDIRI DI PEKANBARU)
Abstract: As a small business,
the small and medium business unit in desperate need of financial assistance.
One lender capital is PT. BPR Harta Mandiri Perkasa Cabang Pekanbaru. From the
capital, the expected presence of small and medium businesses can thrive even
in business. But in fact small and medium businesses have not been able to
properly carry out their business in a profit. This leads to capital provided
by BPR to become obstructed pengembaliannnya. Because capital is given a credit
in the form of venture capital. With the ability of small and medium
enterprises that are less so that the creation of bad loans that can be
suffered by the RB. In addition to the loss of RB, also the loss of small and
medium business unit itself.
PT. BPR Harta Mandiri Perkasa Cabang Pekanbaru activity, in addition to lending
to small and medium business unit, also lending to the general public in the
form of credit is a credit for residential housekeeping. Activities PT. BPR
Harta Mandiri Perkasa Cabang Pekanbaru olso provide savings and current
accounts and deposits.
The purpose of this study was to determine and analyze the implementation
of small and medium enterprise lending banking sector in evaluating bad loans
on PT. BPR Harta Mandiri Perkasa Cabang Pekanbaru.
The results of the study concluded that the binding of the less than
perfect credit guarantees are common in this bank. This is confirmed interviews
with head xxxxxxxxxxxxx many cases binding guarantees less than perfect credit.
But thankfully it did not lead to bad credit because fieldworkers who conducted
a survey has provided confidence in the outstanding loans. acyl respondents
indicate that the binding of a less than perfect credit guarantees can lead to
bad credit. But in this bank, an increase in collateral rated as good by a
majority of respondents. Thus, given the collateral can be used as collateral
if the bad loans.
Penulis: Ari Mujahidin,
Ruzikna
Kode Jurnal: jpadministrasinegaradd141112
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