ABSTRAK
Penelitian ini bertujuan untuk mengetahui dasar analisis pemberian oleh Account Officer dan prosedur account officer dalam melakukan survei terhadap nasabah pada PT. Bank Bukopin, Tbk Kantor Cabang Utama Surakarta. Penelitian ini merupakan penelitian deskriptif kualitatif yaitu proses penelitian yang menghasilkan data deskriptif berupa kata-kata tertulis/lisan dari orang-orang. Metode pengumpulan data dengan observasi, wawancara, penelitian kepustakaan, dan penelusuran data online.
Berdasarkan hasil penelitian di ketahui bahwa PT. Bank Bukopin, Tbk menggunakan 5C’s yaitu : Penilaian Watak (Character) prinsip character merupakan salah satu prinsip yang mutlak dan tidak dapat ditawar-tawar, Penilaian Kemampuan (Capacity), Penilaian terhadap modal (Capital), Penilaian terhadap agunan (Collateral), dan Penilaian terhadap prospek usaha nasabah debitur (condition of economy) dalam setiap permohonan kredit merupakan hal yang harus dilakukan untuk menentukan keputusan diterima atau ditolaknya suatu kredit. PT. Bank Bukopin, Tbk terdapat prosedur account officer dalam melakukan survei terhadap nasabah yang mengajukan permohonan kredit dimulai dengan mengisi persyaratan pengajuan kredit, melakukan peninjauan ke lokasi minimal 3 bulan sekali dan mengumpulkan data, kemudian selanjutnya dilakukan penilaian kelayakan kredit yang menggunakan analisis 5C’s untuk diputuskan permohonan kredit diterima atau tidak.
Saran yang diberikan penulis adalah sebaiknya account officer lebih teliti dalam menganalisis character dengan cara memperbanyak pertanyaan yang menyangkut tentang prinsip character yang ditujukan oleh debitur sehingga data yang didapatkan akan lebih benar, lengkap, dan objektif dan melakukan kunjungan setiap satu bulan sekali serta rutin melakukan monitoring mengetahui apakah debitur masih mempunyai kemampuan untuk membayar kewajiban hutang kreditnya di PT. Bank Bukopin, Tbk
Kata kunci: analisis kredit, prosedur survei nasabah.
ABSTRACT
This research aimed to find out the basis of loan issuance analysis by Account Officer and the procedure of account officer in surveying the customers in Surakarta Main Branch Office of PT. Bank Bukopin, Tbk. This study was a descriptive qualitative research, the one providing descriptive data constituting written/spoken words from informants. The methods of collecting data used were observation, interview, library research, and online data tracking.
Considering the result of research, it could be found that PT. Bank Bukopin, Tbk used 5C:  character assessment in which character was the absolute and indisputable principle, capacity assessment, capital assessment, collateral assessment, and condition of economy assessment on the prospect business of debtor was a must to decide whether a loan was accepted or declined, and character assessment was the most important requirement. In PT. Bank Bukopin, Tbk, there was a procedure of account officer in surveying the customers to submit loan application starting from completing the requirement of loan application, surveying the location and collecting data, and to assessing the feasibility of loan using 5C analysis to decide whether the loan application was accepted or declined.
The writer recommended the account officer to analyze the character of debtor more precisely by increasing the number of questions pertaining to character principle intended to the debtor so that the data obtained would be more correct, complete and objective and to spent time for visit the customer once a month and to monitor the debtor routinely in order to find out whether or not the debtor still had solvency in paying its loan in PT. Bank Bukopin Tbk.
Keywords: loan analysis, customer surveying procedure.