Analisis kinerja kredit usaha rakyat kupedes pada Bri unit gandrungmangu cabang majenang periode maret 2008-2009

Oleh :
Daryati - F3306030 - Fak. Ekonomi dan Bisnis

ABSTRACT ANALISIS KINERJA KREDIT USAHA RAKYAT (KUR) KUPEDES PADA BRI UNIT GANDRUNGMANGU CABANG MAJENANG PERIODE MARET 2008 – MARET 2009 BRI is a government owned operating company (Persero) which underlies its activities in the field of banking. Its main activities are offering various banking services either by giving credits to the society, collecting fund, or the other banking services. One of the programs of BRI credits is Kredit Usaha Rakyat (KUR) which is the government program aiming for the feasible development of micro, small, and medium scale industries (UMKM) yet not fulfilling the bank requirements. The objectives of the research toward BRI unit of Gandrungmangu related to the enforcement of KUR are to give a description upon the performance of Kredit Usaha Rakyat (KUR) and the quality of KUR Kupedes given by BRI unit of Gandrungwangu in the period of March 2008- March 2009. In analyzing the performance of KUR Kupedes in BRI unit of Gandrungmangu for the period of March 2009 to March 2009, the writer uses the primary data from this unit concerning the enforcement of KUR and the assessment of the credit's quality is based on a standard stipulated by the micro division of BRI which is based on Non Performing Loan (NPL), Portofolio Status (PFS), and Long Term Loss Ratio (STLR). The result of the performance analysis conducted toward Kredit Usaha Rakyat (KUR) Kupedes in BRI unit of Gandrungmangu for the period of March 2008 to March 2009 shows that BRI unit of Gandrungmangu is able to distribute KUR Kupedes with the amount of Rp.3.278.750.000; - to 871 debtors with the average loan Rp. 3.764.351, 32 for each debtor. Those KUR Kupedes are given to three main sectors of economy namely Farming, Hunting, and Farming Utility with the percentage of 77,34, those given for the Trade, Restaurant, and Hotel sectors is 21, 90% and those given to the other service sectors is 0,76 %. It occupies the third biggest rank in the distribution of KUR from 20 units of BRI in the region of BRI Majenang Branch. Both qualities of KUR Kupedes credits given during the period of March 2008- March 2009 based on the percentage of NPL KUR are less than the ratio of 2 %, PFS ratio of 0-12,87%, LTLR of 0-27,07%, and STLR of (-39,47) – 51,36%. Based on the findings the research, the writer proposes a suggestion to improve the performance of KUR Kupedes to at least take side for BRI unit of Gandrungmangu especially when it is related to the officers of Line Credits, for them to pay attention more on the quality of KUR Kupedes given because of the high percentage of PFS, LTLR, and STLR. It is expected that by doing this, it can suppress the rate of the accumulated credits for the reason that this credit accumulation in the BRI unit of Gandrungmangu can be classified as high. This is worried that it would eventually cause NPL KUR Kupedes to increase. Keyword: performance, Kredit Usaha Rakyat