ANALISIS PENYALURAN KREDIT PENGUSAHA KECIL (KPK) PADA PT. BANK RIAU KEPRI CABANG PEMBANTU AHMAD YANI
Abstract: This study aimed to
analyze lending small businesses on PT. Bank Riau Kepri, Branch Ahmad Yani,
Pekanbaru to see the connection between the guidelines made by PT. Bank Riau
Kepri in SK Directors Number: 107 / KEPDIR / 2013 dated October, 2013. The
lending process is a series of stages that are integrated end-to-end process,
which must be passed interconnectedness starting from initiation (petition),
analysis, decision, realization of credit and credit administration stage,
until completion non-performing loans. To explore the topics discussed, the
researchers conducted interviews with key informance, because this research is
qualitative data obtained by conducting interviews directly to the parties
concerned, subsequent interpretation associated with the theories related to
the process or the execution of lending small businesses (KPK) on PT. Bank Riau
Kepri Branch Ahmad Yani, Pekanbaru.
The results showed that PT. Bank Riau Kepri Branch Ahmad Yani, Pekanbaru
carry out lending in accordance with guidelines issued by PT. Bank Riau Kepri
and has been in line with theories of banking in general or regulations of Bank
Indonesia on credit. However, in order to maintain the health of banks, PT.
Bank Riau Riau, branch assistant Ahmad Yani Pekanbaru should conduct assessment
more tightly against the principle of 5C and a feasibility study is mainly
Collateral accepted that the rate of return is guaranteed and customers have
the motivation to restore credit smoothly, so that the bank can minimize the
occurrence of bad loans (non-performing loans).
Penulis: Acmad Fajri Febrian,
Ruzikna
Kode Jurnal: jpadministrasinegaradd160064
