Analisis Pelaksanaan Penilaian Pemberian Kredit Umum Pedesaan (KUPEDES) PT. Bank Rakyat Indonesia Kantor Cabang Teluk Kuantan

Agusta, Leonardo (2019) Analisis Pelaksanaan Penilaian Pemberian Kredit Umum Pedesaan (KUPEDES) PT. Bank Rakyat Indonesia Kantor Cabang Teluk Kuantan. Other thesis, Universitas Islam Riau.

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Abstract

Background on the assessment of rural general credit (Kupedes) at PT Bank Rakyat Indonesia, Branch Office of the Kuantan Bay, namely the bank assesses or sees from the background of business work, judging from the ability of the business, the bank also assesses prospective customers from their personality, lifestyle and daily life. day. The bank also assesses the business he developed. The current gap in the BRI Bank of Kuantan Bay KC regarding rural general credit (Kupedes) is that the bank has not done an in-depth analysis of prospective customers who applied for a Kupedes loan. Then customers who have been given the trust by the bank do not have good faith in making payments on rural general credit (Kupedes). This is not in accordance with the legal basis in Article 8 of RI Law Number 10 of 1998 concerning Banking. The main problem of the research is how the implementation of the assessment of rural general credit (Kupedes) at PT Bank Rakyat Indonesia KC Teluk Kuantan and whether the obstacles of PT Bank Rakyat Indonesia KC Teluk Kuantan in overcoming the existence of bad credit. The research method used is a type of observational research that is by way of survey. While its nature is descriptive data using primary data that is data through the results of interviews in the field with Bank BRI KC Kuantan Account Officers and customers who experience bad loans and secondary data that is data on customers who experience bad loans. The results showed that the implementation of rural general credit (Kupedes) at PT Bank Rakyat Indonesia KC Teluk Kuantan has not been fully implemented properly, due to the fact that there are still rural general credit customers that do bad loans. So it can be said that the assessment of the character of the customer, the capacity of the prospective customer, the capital of the prospective customer, the assessment of the business capital of the prospective customer, the collateral of the prospective customer, the assessment of collateral and the prospective customer's situation are not optimal. Obstacles in overcoming the problem of bad credit, among others: high target company demands, lobbying by prospective debtors (customers) to the Account Officer, declining economic conditions or businesses run by the debtor (customers), misuse of credit funds by the debtor ( customer). The effort to overcome the existence of bad credit is by giving a summons (SP1 / SP2 / SP3), then doing a review to make a new agreement by billing periodically by directly consulting to the customer, if it cannot be resolved with this matter, the bank auctioning credit guarantees given by customers to the bank.

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