Evaluasi prosedur realisasi kredit modal kerja pada Bank BRI cabang Solo-Kartasura
Desi Krismars Tuti - F3306031 -
Bank is society institution that collect fund and will use fund only be base on by belief that the money will be got to return in time and espoused repayment shaped interest. As corporation orientation in profit (profit oriented), bank must can to get profit with canalize to return amount of fund theirs, collected from society to canalized to return to middle of society in the form of credit.
Every wisdom credit bank (KPB) that made obligatory bank holds and decide clearly and firm minimal carefulness principle must cover main wisdom credit, credit quality evaluation procedure, professionalism and official integrity credit. extension of credit must be processed to pass credit request stages, extension of credit request evaluation, credit sanctions wisdom, credit agreement and credit liquefaction sanctions. In KPB every bank must be regulated and pined up procedure rescuings and credit completion problem, be reference in every rescuing and credits completion that decreased colectibilitation, by using approaches and rational step by step in the completion.
This watchfulness uses to approach qualitative pass case study methodology that is in branch indonesian people bank (BRI) solo-kartasura. Data to support trouble-shooting is primary data and secondary data. Technical analysis comparability, that is compare to what case study that canvassed has sameness with theory basement.
Extension of credit procedure BRI marginally as according to carefulness principle (prudential banking). There are some different procedure, because accustommed with conditon that faced. But there gaps can cause stopped credit. That is in completion credit request rules document related to financial statement because customer in commercial credit inclined doesn't has financial statement. Financial statement that worn for credit analysis is composed by bank based on interview result with customer, so that make possible manipulation existence because subjectivity.