RANCANG BANGUN APLIKASI KELAYAKAN PINJAMAN PADA KOPERASI SEJAHTERA TANI NUSANTARA (KOSTIN)
Abstract: Koperasi Sejahtera
Tani Nusantara (KOSTIN) a savings and loan cooperative that aims to provide venture
capital lending services for the city of Pekanbaru. Currently realization of
the loan assessment Koperasi Sejahtera Tani Nusantara still subjective and the
manual is just to provide anassessment whether a prospective customer is given
a loan or not. Assessments are subjective and the manual, also influenced from
the subjective to the trust factor against the prospective customer. This assessment
resulted in some customers' arrears exceeded installment maturing resulting in
capital turnover noncurrent. To resolve the problems above, so engineering
designs of customer lending eligibility application is made using 7P method of
assessing prospective customers from the side: personality, party, purpose,
prospect, payment, profitabillity, protection. With this application is expected
to co-operatives can determine the suitability of prospective customers in
obtaining credit and are expected to reduce the number of customers in arrears
at a later date. Based on the results of trials that have been done can be
concluded that the application complies with the expected goals. The app has
been able to assess the feasibility of loans to help decide the realization of
the loan.
Penulis: Andrie Dermanto
Kode Jurnal: jptinformatikadd160649