Abstract
Credit evaluation is an important element in the provision of credit to the debtor. Lending activities, we need a good and thorough analysis of all aspects of credit to support the credit approval process, in order to prevent a credit risk. With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priorities for improving the economy of the people and support the development of nasional.Tujuan of this study was to determine the creditworthiness conducted by the PD BPR Bank Regional Lamongan. From the analysis of the data using analytical tools 5C character, capacity, capital, collateral, condition states that the majority of borrowers eligible to receive a credit of PD. BPR lamongan Regional Banks. The credit approval process is a credit application by the debtor, research files, bank information search, site visits, analysis of credit research. If approved it will be an agreement or binding of collateral. Once it is done coaching supervision of credit or credit.Credit evaluation is an important element in the provision of credit to the debtor. Lending activities, we need a good and thorough analysis of all aspects of credit to support the credit approval process, in order to prevent a credit risk. With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priorities for improving the economy of the people and support the development of nasional.Tujuan of this study was to determine the creditworthiness conducted by the PD BPR Bank Regional Lamongan. From the analysis of the data using analytical tools 5C character, capacity, capital, collateral, condition states that the majority of borrowers eligible to receive a credit of PD. BPR lamongan Regional Banks. The credit approval process is a credit application by the debtor, research files, bank information search, site visits, analysis of credit research. If approved it will be an agreement or binding of collateral. Once it is done coaching supervision of credit or credit.
Highlights
Motion pace of development of the banking business was so rapid
Setelahbelenggu barriers deregulated banks, new banks have sprung up like mushrooms grow amid hujan.Berbagai key strategies applied in meeting the demands and tastes of banking success seems to have been picked up by banks, namely the accumulation of public funds and penguncuran kredit.Bank by law no. 2/1992 on the subject of banking can be briefly defined as follows: Financial institutions are the main business is to provide loans and services in payment traffic and circulation of money
With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priority on efforts to improve people's economic and development support nasional.Untuk banking activities in Indonesia, credit terms defined in the basic banking legislation no, 12/1992 as follows: Credit is the provision of money or bills that can be equated with that based on agreements borrowing and lending between banks and other parties who require the borrower to repay their debts after a certain period with the amount of interest, remuneration has been determined
Summary
Motion pace of development of the banking business was so rapid. Setelahbelenggu barriers deregulated banks, new banks have sprung up like mushrooms grow amid hujan.Berbagai key strategies applied in meeting the demands and tastes of banking success seems to have been picked up by banks, namely the accumulation of public funds and penguncuran kredit.Bank by law no. 2/1992 on the subject of banking can be briefly defined as follows: Financial institutions are the main business is to provide loans and services in payment traffic and circulation of money.With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priority on efforts to improve people's economic and development support nasional.Untuk banking activities in Indonesia, credit terms defined in the basic banking legislation no , 12/1992 as follows: Credit is the provision of money or bills that can be equated with that based on agreements borrowing and lending between banks and other parties who require the borrower to repay their debts after a certain period with the amount of interest, remuneration has been determined.Basically, the purpose of a company is to achieve optimal results and profit so that the company's survival will be guaranteed to achieve these goals. With its mission as an agent of development, banks are increasingly playing a role in the economy with increased lending to some sectors of the economy are priority on efforts to improve people's economic and development support nasional.Untuk banking activities in Indonesia, credit terms defined in the basic banking legislation no , 12/1992 as follows: Credit is the provision of money or bills that can be equated with that based on agreements borrowing and lending between banks and other parties who require the borrower to repay their debts after a certain period with the amount of interest, remuneration has been determined. As according to Law No 10 of 1998 is as follows that in the face of the national economy is always moving fast, competitive and integrated with increasingly complex challenges as well as the financial system is more advanced, the necessary adjustments in the economy, including banking discretion
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