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Pelaksanaan Penyaluran Kredit Pada Pt. Bank Rakyat Indonesia (Persero) Tbk Unit Panti

Author

Listed:
  • , Lestrinelhuda
  • Widayati, Ratna

Abstract

Tujuan penelitian ini adalah untuk mengetahui prosedur yang harus dipenuhi oleh calon debitur untuk memperoleh kredit dari bank, serta mengetahui proses penyelesaian kredit yang bermasalah. Jenis penelitian ini adalah bersifat deskriptif dengan menggunakan metode analisa data kualitatif, yaitu menganalisa pelaksanaan penyaluran kredit pada PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti. Kesimpulan 1) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti telah menyalurkan kredit sesuai dengan ketentuan dan prosedur yang telah ditetapkan yaitu mulai dari pengenalan atau pendekatan kepada calon debitur, tahap permohonan kredit, analisa kredit, tahap persetujuan kredit, administrasi, realisasi kredit (pencairan kredit) sampai tahap pengawasan hingga kredit tersebut benar-benar dilunasi. 2) PT. Bank Rakyat Indonesia (Persero) Tbk Unit Panti melakukan tahapan dalam menyelesaikan kredit bermasalah (mecet) yaitu, pertama dengan tindakan penyelamatan kredit dan kedua penyelesaian kredit. Penyelamatan kredit yaitu berusaha agar kredit tersebut lancar kembali dengan cara Rescheduling, Reconditioning dan Restructuring. Namun jika hal tersebut tidak berhasil maka bank akan melakukan tindakan penyelesaian kredit yang diawali secara kekeluargaan melalui perundingan-perundingan sampai akhirnya penyitaan jaminan

Suggested Citation

  • , Lestrinelhuda & Widayati, Ratna, 2019. "Pelaksanaan Penyaluran Kredit Pada Pt. Bank Rakyat Indonesia (Persero) Tbk Unit Panti," OSF Preprints 9zdkp, Center for Open Science.
    • Handle: RePEc:osf:osfxxx:9zdkp
    DOI: 10.31219/osf.io/9zdkp
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