ANALISIS PEMBERIAN DAN PENGAWASAN KREDIT MODAL KERJA REKENING KORAN UNTUK MEMINIMALISIR KREDIT BERMASALAH (Studi Pada PT. Bank Jatim Cabang Bojonegoro Periode 2011 – 2013)

Authors

  • Yemima Novia Kristi

Abstract

At the time of disrtibuting credit is often found a credit risk. The credit risk is often encountered is the emergence of Non Performing Loans. In order to reduce the credit crunch need for analysis of credit that covers analysis 5C, 7P and 3R and monitoring credit as preventive control of credit and repressive control of credit effectively. PT. Bank Jatim Cabang Bojonegoro is as working capital account for the year 2011 s / d in 2013 the number of Non Performing Loans has fluctuated, where in 2011 s / d in 2012 the value of the Non Performing Loans of 0.06% to 0.01% down to 0.05% and then in 2012 s / d in 2013 the value of the Non Performing Loans of 0.01% to 0.16% increases until 0 , 12%. From these data it can be seen that the PT. Bank Jatim Cabang Bojonegoro is a healthy bank because Non Performing Loans is still far below 5%. Therefore, the distributing and monitoring of credit made by the PT. Bank Jatim Cabang Bojonegoro should be increased up to the percentage of non performing loans can be approached and reached 0% because of the small percentage of non performing loans, therefore the assessment in bank’s health will be better. Keywords: Distributing Credit, Monitoring Credit, Non Performing LoansABSTRAKPada saat penyaluran kredit seringkali ditemui adanya risiko kredit. Risiko kredit yang sering ditemui adalah timbulnya kredit bermasalah. Dalam rangka mengurangi terjadinya kredit bermasalah perlu adanya analisis pemberian kredit yang mencangkup analisis 5C, 7P dan 3R dan pengawasan kredit secara preventive control of credit dan repressive control of credit yang efektif . PT. Bank Jatim Cabang Bojonegoro selaku penyalur Kredit Modal Kerja Rekening Koran selama tahun 2011 s/d 2013 jumlah kredit bermasalah mengalami fluktuasi, dimana pada tahun 2011 s/d 2012 nilai Non Performing Loans dari 0,06% menjadi 0,01% turun hingga 0,05% dan kemudian pada tahun 2012 s/d 2013 nilai Non Performing Loans dari 0,01% menjadi 0,16% naik hingga 0,12%. Dari data tersebut dapat diketahui bahwa PT. Bank Jatim Cabang Bojonegoro merupakan bank yang sehat karena nilai Non Performing Loans nya masih jauh dibawah 5%. Oleh karena itu pemberian dan pengawasan kredit yang dilakukan oleh pihak PT. Bank Jatim Cabang Bojonegoro harus dapat ditingkatkan hingga prosentase kredit bermasalah dapat mendekati dan mencapai 0% karena semakin kecil prosentase kredit bermasalah maka penilaian terhadap kesehatan bank semakin baik. Kata kunci : Pemberian kredit, Pengawasan kredit, Kredit bermasalah

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Published

2015-02-05

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