Analysis Procedure For Credit in Efforts to Minimize Non Performing Loans on PT. Bank Lampung
Abstract: Credit procedures
applied to lead to the achievement of the objectives of a business. Each stage
of the loan process must always be carried out by applying the precautionary
principle. Lending procedures that will either be able to assist the bank in
making the decision to grant. Credit employee is considered relatively safe
because the installment payment system directly deducted from the salary did
not rule out becoming jammed. This is due to mistakes made by employees in
analyzing credit application file that led to the adoption of the standard
operating procedures can not be run as designed. This study is a descriptive
study using a qualitative approach. This qualitative descriptive study aimed to
obtain information about the existing situation. In this study, will be
described the following sources of information search behavior and tools.
Discussion of this study are presented in narrative form words. The purpose of
this study was to determine whether the procedures for granting credit at PT.
Lampung Bank is in compliance with applicable regulations. From the results of
research conducted, credit procedures at PT. Bank Lampung broadly in accordance
with the Banking Act in terms of credit to the public. Lack of understanding of
the types of loans that fit, lack of rigor in analyzing and evaluating credit
applications, and lack of monitoring and intensive coaching against the debtor
that cause non performing loans to the PT. Bank Lampung. Efforts to minimize
the bad loans to the PT. Bank Lampung is good that the repeated restructuring,
write-off of bad debts, termination billing, and procedures for the settlement
of collateral items.
Penulis: Aminah, Andi
Darmawijaya
Kode Jurnal: jpakuntansidd150620
