DESIGN OF ASSESSMENT CRITERIA OF MICRO LOAN DEBITOR TO MINIMIZE NON PERFORMING LOAN (NPL) AT BANK X

• Main Author: KUSUMAWARDANI (NIM : 29106317); Pembimbing : Dr.Ir. Dermawan Wibisono, M.Eng dan Achmad Herlant, LIZA
• Format: Theses
• Language: Indonesia
• Online Access: https://digilib.itb.ac.id/gdl/view/16298
• Institution: Institut Teknologi Bandung

Bank X is one of the big government banks in Indonesia focusing on micro, small medium enterprise (MSME) credit lending. At the present, Bank X problem is inexistence standard regarding determinant variable decision of micro credit and how to determine debitor profile which is possibility will experience non performing loan (NPL) in the future. During the time, decision-making processes giving micro credit in Bank X only based on two variable that is repayment capacity and collateral market value. Based historical data in Bank X, got data concerning performing loan (PL) debitor and non performing loan (NPL) debitor. Based of this data, will be analysed any kind of variabel that cause non performing loan (NPL).<p>To determine variable that cause non performing loan (NPL), required marketing mix analysis (7p and STP), 5C analysis (character, capital, capacity, collateral, condition of economy) and statistical analysis (chi-square test, spearman correlation test and proportion test).<p>Based on this analysis, will be got debitor profile which is possibility will experience non performing loan (NPL) in the future. With existence of this debitor profile picture, is expected will minimize non performing loan in Bank X. Result of this analysis is only depicting micro credit debitor profile at Bank X, therefore can not be able to implement in other banks. This implementation are covering employees training, making of profile debitor program, debitor industrial growth monitoring and IT development that supporting new program integration and repair of debitor database. <br />