EVALUASI KEBIJAKAN KREDIT MODAL KERJA TERHADAP KINERJA PERKREDITAN DI BANK CTR

• Main Author: Hariss , Losade
• Format: Theses
• Language: Indonesia
• Subjects: Manajemen umum
• Online Access: https://digilib.itb.ac.id/gdl/view/5112
• Institution: Institut Teknologi Bandung

<b></i>Abstract : </b><i><p align=\"justify\"> <br /> As a result of the Asian regional economic crisis in mid 1997, recovery of banking sector in Indonesia is one of important action including establishment of CTR Bank. <br /> <p align=\"justify\">CTR Bank is a merging of four out of seven state-owned public banks that according to a commitment between the Indonesian Government and the IMF. This action was meant for CTR Bank to form a better organization and a more efficient system as well as professional and productive man power. <br /> <p align=\"justify\">In banking, credit (loan) is essential because the bank\'s sustainable depend on credit loan, which also affects monetary problems and a nation\'s economic situation. <br /> <p align=\"justify\">The objectives of this research are to evaluate credit approval policies at CTR Bank and to try to find a formulation which is expected to become a description and to comparison with the existing situation. Theoritically the policies may be commendable, but there are several constraints in its implementation. <br /> <p align=\"justify\">Formulation are set based on relevan theories, regulation by Bank Indonesia which are spelled out into CTR Bank regulations, the investigation result of the current policies implementation, performance analyses, questionnaires, characteristics, external and internal environment influence, and the assumptions used. <br /> <p align=\"justify\">Evaluation is carried out in two approach, Data Comparison Analysis and Descriptive Research Methode. Data Comparison Analysis is a comparison of credit performance data of the last 3 years between realization and budget, and the compare again between initial and last condition. While Descriptive Research Methode is done through questionnaires thet reflect the object\'s situation which is examined base on the existing fact. <br /> <p align=\"justify\">Credit operation policies in the Commercial Business segment generally included the organization structure, credit segmentation, debtor management unit, general credit management principles, decision authorization, relationship with other work unit etc. <br /> <p align=\"justify\">Research is done in CTR Bank, Jakarta Pondok Indah Branch. <br /> <p align=\"justify\">Base on the evaluation and discussion result it is found that in credit activities, although already oriented to existing policies and regulations, there are still constraint that cause inefficiency and ineffectives operation. One of the constraints is the credit policy. <br /> <p align=\"justify\">In lieu to these conditions, it is advised to making changes/ improvements in credit policies, such as, credit organizations, the function of the regional and branch offices, and the credit approval authority. A part from that, socio-cultural aspect of the community should be observed in making of credit policies plan.