KAJIAN TERHADAP EVALUASI PEMBERIAN KREDIT PADA BANK X DENGAN MENGAMBIL KASUS PERMOHONAN KREDIT PT. ABC

• Main Author: Hasfiardi, Eddy
• Format: Theses
• Language: Indonesia
• Subjects: Manajemen umum
• Online Access: https://digilib.itb.ac.id/gdl/view/5066
• Institution: Institut Teknologi Bandung

<b>Abstract :</b><p align=\"justify\">Each of the common banks, among whose major activities is providing loans for various economic sectors, fundamentally is always wishing that the credit procedures run smoothly and that the debtors expand as expected. However, as time goes by it always occurs that a number of credits run unpaid. Even many of the credit provisions have brought about fatal causes to the bank creditors themselves. Various facts show that many of the losses inflicted onto the banks as a result of unpaid credits are nothing of economic impacts nor of mere misdeeds of the debtors but exactly due to the carelessness and incapability on the part of banking apparatus at their feasibility analyses on the given quarters, credit schemes as well as other internal bank factors. Banks should have the capability to contemplate what would be the risks out of their credits; banks should completely understand the economic sectors they fund. Banks, therefore, should have a set of clear credit references and fully abide by the existing rules, while from time to time running a staff training in effort to fully master the entire matters related to its business and commercial funding. Prior to this ongoing crisis, Bank X had been active at its credit expansion, during which time-it exercised credit policies with reference to the Bank Indonesia Regulation no. 27/162/KEP/DIR dated March 31, 1995 on Obligation to Designing and Implementing Credit Plan by Common Banks. This particular policy is aimed at encouraging banks to carry out prudential banking in accordance with the appropriate credit principles. At the face of a credit proposal, certainly the concerned bank must refer to the rules, including in the case of PT ABC proposal, to be discussed afterwards. PT ABC is a company, which started operations in 1995, selling such commodities as vegetables and fruits at the international market. Given the land property, the company had the expectation that it could have been able to downsize dependency on the farmers or vendors at its commodity procurement. <p align=\"justify\"> <br /> In a bid to materialize the objectives, PT ABC put forward a credit proposal to Bank X, [but] in a six months period after the funding, PT ABC unable to fulfill the obligations to Bank X such a way that the obligations were written off. The debtor took a security reason, yet after a review or deeper analysis on the credit disbursement process, it turned out that at the outset the bank had ignored prudential banking of the credit terms. A review of this case suggests that in such an investment funding, the bank could take note more of the funding and credit arrangements as an initial step to a more accurate cashflow, more importantly that the cashflow be utilized fully to monitor the credit provided, and the credit analysis would not pose merely as a prerequisite to get loans. After putting the paradigm above in practice, various problems are found, leading to the conclusion that truthfully, right from the beginning, it should have been detected that this credit proposal did not merit approval. <br /> <br />