PENERAPAN PRINSIP KEHATI-HATIAN DALAM PENYALURAN KREDIT PADA PT.(PERSERO) PERMODALAN NASIONAL MADANI Tbk (PNM) CABANG YOGYAKARTA

• Main Authors: , Ananto Prasetyo Wijanarko, , Ninik Darmini SH. M.Hum.
• Format: Theses and Dissertations NonPeerReviewed
• Published: [Yogyakarta] : Universitas Gadjah Mada 2013
• Subjects: ETD
• Online Access: https://repository.ugm.ac.id/119813/; http://etd.ugm.ac.id/index.php?mod=penelitian_detail&sub=PenelitianDetail&act=view&typ=html&buku_id=59818
• Institution: Universitas Gadjah Mada

The study put emphasis on the application of prudent lending principle at PT. (Persero) Permodalan Nasional Madani of Yogyakarta Branch Office. This is due to the fact that credit is one of the government programs intended to boost the development of UMKMK, the disbursement of which requires no additional collateral. The focus of the study included the efforts of PT. (Persero) Permodalan Nasional Madani of Yogyakarta Branch Office to minimize the Non-Performing Loan (NPL). The study is legal-empirical in nature, which means that it emphasis is in the field work to obtain the primary data. Complementary to this study is the secondary data, which consist of the primary and secondary legal materials. The collected data were analyzed qualitatively and presented using the method of descriptive analysis. The results indicate that PT. (Persero) Permodalan Nasional Madani of Yogyakarta Branch Office applied the 5Cs: Character, Capacity, Capital and Condition, and monitors the financial statements and operation of the debtor on a periodical basis, in accordance with the enacted provision, and tighten the collateral quality assessment. The efforts by PT. (Persero) Permodalan Nasional Madani of Yogyakarta Branch Office in minimzing the non-performing loan (NPL) by setting the legal lending limits by considering the condition of debtor in terms of security to asses its capacity and economic condition..