Simanjuntak, Rania Gracia Jensari Hana (2020) ANALISIS PENGENDALIAN INTERNAL ATAS SISTEM DAN PROSEDUR PEMBERIAN KREDIT USAHA RAKYAT (KUR) STUDI KASUS PADA PT. BANK MANDIRI CABANG GAMBIR. Skripsi thesis, Sekolah Ilmu Tinggi Ekonomi Indonesia, Jakarta.
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Abstract
ABSTRAK Penelitian ini bertujuan untuk menjelaskan pengendalian internal atas sistem dan prosedur pemberian Kredit Usaha Rakyat (KUR) pada PT. Bank Mandiri (persero) Tbk cabang Gambir, Jakarta Pusat dan untuk mengetahui kelemahan yang ada dalam pelasanaan sistem dan prosedur yang telah ditetapkan serta tindakan dari Bank Mandiri untuk mengatasinya. Dengan permasalahan tersebut kemudian dilakukan penelitian yang dilakukan penulis yaitu melalui wawancara dan studi kepustakaan. Hasil penelitian yang dilakukan di PT. Bank Mandiri (Persero) Tbk cabang Gambir, Jakarta Pusat menunjukkan bahwa pelaksanaan pemberian Kredit Usaha Rakyat (KUR) pada bank tersebut melalui beberapa prosedur yang saling berkaitan, yaitu prosedur realisasi kredit, prosedur pencairan kredit, prosedur pembayaran angsuran, dan prosedur pelunasan pokok kredit. Permasalahan yang timbul adalah legalitas usaha, legalitas agunan dan kredit macet. Dalam hal kredit macet maka upaya yang dilakukan Bank Mandiri (Persero) Tbk adalah memberikan restrukturisasi kredit secara teratur dan edukasi sampai dengan melakukan pelelangan agunan dari bagian Credit Recovery Operation (CRO) ini merupakan program pemerintah dalam membantu pembiayaan UMKM untuk meningkatkan taraf hidup rakyat Indonesia. Untuk mengurangi resiko terjadi kredit macet PT. Bank Mandiri (Persero) Tbk. telah menerapkan prinsip 5C (Character, Capital, Capacity, Collateral, Condition of Economy) baik pada waktu wawancara maupun pada waktu survey usaha dan agunan tambahan. Kata Kunci : UMKM, Prosedur Kredit, Kredit Usaha Rakyat. ABSTRACT This study aims to explain the internal control of the systems and procedures for granting People’s Business Credit (PBC) to PT. Bank Mandiri (Persero) Tbk Gambir Branch, Central Jakarta and also to find out the weaknesses that exist in the implementation of systems and procedures that have been determined and the actions of Bank Mandiri to overcome them. With these problems then researched by the author through interviews and literature studies. The results of research conducted at PT. Bank Mandiri (Persero) Tbk Gambir Branch, Central Jakarta shows that the implementation of the People’s Business Credit (PBC) to the bank through several interrelated procedures, namely the procedure of the realization of credit, credit disbursement procedures, installment payment procedures, and repayment procedures for credit principal. Problems that arise are the legality of the business, the legality of collateral and bad credit. In the case of bad loans or bad credit, the efforts made by Bank Mandiri (Persero) Tbk is to provide credit restructuring regularly and education up to auctioning collateral from the Credit Recovery Operation (CRO) is a government program in helping SME financing to improve the living standards of the Indonesia people. To reduce the risks of bad loans from PT. Bank Mandiri (Persero) Tbk. has applied the 5C principles (Character, Capital, Capacity, Collateral, Condition of Economy) both at the time of the interview and at the time of the business survey and additional collateral. Keywords : SME, Credit Procedure, Kredit Usaha Rakyat.
| Item Type: | Thesis (Skripsi) | ||||||||
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| Subjects: | Akuntansi > Sistem Informasi Akuntansi | ||||||||
| Divisions: | S1 Akuntansi | ||||||||
| Depositing User: | Users 999 not found. | ||||||||
| Date Deposited: | 05 Jan 2021 02:45 | ||||||||
| Last Modified: | 05 Jan 2021 02:45 | ||||||||
| URI: | http://repository.stei.ac.id/id/eprint/1051 |
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