Prospective Debtor Research Articles

Analisis Sistem Akuntansi Pemberian Kredit Pemilikan Rumah (KPR) pada PT Bank Central Asia Tbk Cabang Pettarani Makassar

This study aims to understand the home ownership credit accounting system at PT Bank Central Asia Tbk Pettarani Makassar Branch, with a focus on simple requirements and a fast credit application process. Based on research conducted at PT Bank Central Asia Tbk Pettarani Makassar Branch, the use of the MyCore application in providing home ownership credit can facilitate the input of prospective debtor files in an effective and efficient manner, thereby speeding up the process. The author applies a qualitative research method, which produces descriptive data in the form of written notes and oral information from individuals observed during data collection in the field. The results of the study show that the process of applying for a home ownership loan at PT Bank Central Asia Tbk Pettarani Makassar Branch has become easier and faster because the requirements applied are general requirements that are already owned by customers. This allows the collection of files to be done more quickly.

REVIEW OF FUNDING PROCEDURES ON PT FIFGROUP CILEGON BRANCH

Purpose - In the world of trade in goods and services, the types of transactions that are commonly carried out are payment by cash or credit. PT. Federal International Finance is one of the actors in the business world engaged in business Honda motorcycle credit sales financing. Total financing is dominated by credit. This is done primarily in addition to attracting as many buyers as possible also to make it easier for consumers to manage cash Design/methodology/approach - Financing credit sales of Honda motorcycles to PT. FIFGROUP uses a system and credit financing procedures. The purpose of this study is (1) to analyze the effectiveness of procedures for providing credit funds to customers at PT. FIFGROUP Cilegon Branch (2) To analyze the customer's bad credit control system PT. FIFGROUP Celeron Branch Finding - Observations were made on the results of this study shows In analyzing the feasibility of granting credit to consumers, besides using 5C analysis the company also uses five parameters feasibility in analyzing whether or not the prospective debtor is financed credit, this proves that the company has carried out the process credit approval in accordance with procedures established by the company. Appropriate division of tasks and segregation of functions is control internal company which is one way to minimize risk uncollectible accounts receivable. Keywords: procedures, assessment procedures Automotive.

The Influence of Character, Capacity, and Collateral on the Causes of Non-Performing Loan

Cases of Non-Performing Loan that have occurred in Indonesia to date are classified as a high percentage. Cases of Non-Performing Loan in Indonesia have increased since the COVID-19 pandemic. One of the credit providing institutions in Indonesia, namely cooperatives, is also facing problems related to a spike in Non-Performing Loan cases, especially during pandemic. By looking into the causes of non-performing loans, one can lower the risk of non-performing loans. Because basically, before providing credit services, banks must first analyse whether the prospective debtor can be trusted or relied upon. This type of research uses quantitative approach method with data collection techniques using research instruments in the form of questionnaires. Purposive sampling is the sampling technique used in this research for 157 people. The data analysis technique in this research uses multiple linear regression tests. The results of hypothesis testing in the research show that character has a negative effect on the causes of Artha Mandala Cooperative’s NPL, capacity has a negative effect on the causes of Artha Mandala Cooperative’s NPL, and collateral have a negative effect on the causes of Artha Mandala Cooperative’s NPL. That character, capacity, and collateral have a negative influence on the causes of Non-Performing Loan Artha Mandala Cooperative. The suggestions that can be given are to Artha Mandala Cooperative to carry out regular checks, such as once every 3 months or 6 months, regarding creditors' economic conditions to anticipate opportunities for credit congestion to occur.

Kepastian Hukum dalam Pembuatan Sertipikat Hak Tanggungan Secara Elektronik

The debt guarantee that will be given by the prospective debtor will be associated with a right to guarantee according to the type of guarantee submitted. In Indonesia itself, it has just implemented services through electronic means, services by carrying out a new interaction mechanism between the government and the community and for the benefit of other people who are interested, involving the use of technology and information (especially the internet) aimed at improving quality. in community service. According to the author, the Electronic Mortgage Service does not yet have legal protection for creditors so that the author uses normative legal research methods so that the author can use the basic analysis of the laws and regulations or some other legal document. The author's purpose in this study aims to identify and analyze forms of legal protection for creditors in making Electronic Mortgage certificates.

ANALISIS PENILAIAN KINERJA KEUANGAN PERUSAHAAN TERHADAP KELAYAKAN MENDAPATKAN KREDIT MODAL KERJA

This research aims to determine the performance assessment of prospective debtor companies regarding the feasibility of obtaining working capital credit by BRI KCP Pettarani. Data collection techniques were carried out by conducting interview techniques, documentation techniques and library techniques. The data analysis technique was carried out using qualitative data analysis, namely collecting the data needed in this research, through interviews and documentation. As well as quantitative data analysis using calculations using formulas in analyzing the compa|ny's financial performance and calculating the amount of credit given by the bank.The results of this research are the first benchmark for banks, in this case, checking the SLIK (Financial Information Service System) of prospective debtors. The basis for approval for granting credit is an analysis of financial reports. Reportn Profit and Loss Reportn Balance Sheet of the prospective debtor for the last 3 years as a component of the financial reportngan which is a consideration for the bank. In analyzing the financial reports of potential bank debtors, there are 4 financial ratios, namely Liquidity Ratio, Activity Ratio, Solvency Ratio and Profitability Ratio. The business has been running for at least 2 years and meets the criteria for measurement used by the bank, namely the company's performance which is taken into consideration by the bank in deciding whether or not it is appropriate to grant working capital credit. The principle that influences debtors is the principle of Character. The principle that is indicated as problematic for debtors is the Capital principle. The action taken by Bank to implement the principle of supervision is to carry out an inventory. The bad character of the debtor is an obstacle faced by banks in the credit granting process

Analisis Peran Dan Kinerja Account Officer Di Bidang Pembiayaan Pada Bank Syariah Indonesia (BSI) KCP. Jambi Gatot Subroto

Banking is one way to solve problems related to business finance. Banking is a place to provide financing to develop a business that is being worked on. According to the theory, Account Officers have an important impact on determining customers. The formulation of the problem in this study is How is the analysis of the role of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? and How is the performance analysis of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? This study uses a qualitative research method with a type of field study research. Data was collected through interviews, documentation and observation. The results of this study mention the role of the account officer in analyzing and processing financing applications at the BSI KCP Ponorogo bank including managing accounts, managing products, managing financing and managing sales by approaching debtors and the need for review at any time. The performance of the BSI KCP Gatot Subroto bank account officer in preventing problematic financing at the BSI KCP Gatot Subroto bank includes the financing application stage where the account officer gives time to prospective debtors to complete the requirements as a standard selection in financing, the financing proposal stage with reference to the selection of information obtained from existing social, the stage of providing financing facilities which shows that the account officer offers existing facilities based on the features of the selected prospective debtor, the financing stage which reviews the financing facilities by reviewing the financing facilities obtained by the prospective debtor or debtor. The efforts to resolve problematic financing at BSI KCP Gatot Subroto bank are financing restructuring which includes rescheduling.

IMPLEMENTATION OF BANK BCA'S RISK MANAGEMENT STRATEGY IN FRANCHISE-BASED BUSINESS FINANCING

How to Implement Bank BCA's Risk Management Strategy in Franchise-Based Business Financing, How is the Impact of Bank BCA's Risk Management Strategy Implementation on Franchise-Based Business Financing Literature research methods are used because sources come from journals, research reports, the internet, and other sources. This research approach uses descriptive qualitative techniques. Aiming to provide an overview of the implementation of Bank BCA's risk management strategy in franchise-based corporate financing, the results of this study show the discussion of financing strategies and their impact on franchise businesses. Capital loan financing, especially in franchises to develop business, PT Bank BCA must carry out a comprehensive loan collection process and this is done to avoid the risk of bad loans, especially in the case of large loans. In addition, the bank must also assess the business continuity of the debtor and require management and supervision to maintain the continuity of the bank's business. The impact of this risk occurs when the debtor does not fulfill the contents of the credit agreement, chooses the right prospective debtor in the process of providing credit, and when the bank's HR is deceived by the appearance of the prospective debtor. Therefore, it is important to apply the 5 C's principle.

PENGARUH PENILAIAN KEPRIBADIAN DAN KAPASITAS NASABAH TERHADAP PERSETUJUAN KREDIT DI PERUSAHAAN PEMBIAYAAN HOME CREDIT

During the Covid-19 pandemic in 2020, the Home Credit company has changed its credit acceptance scheme to adapt to current conditions. This is where every potential user of the Home Credit fintech application who wants to apply for credit requires an attachment regarding capacity. In addition to capacity, the Home Credit application also requires personal data as one of the guarantees for the proposed loan. The purpose of this study was to determine the effect of the personality of the prospective debtor on the approval of credit applications at the Home Credit financing company in the Denpasar city area and to determine the effect of the debtor's capacity on the approval of the loan application at the Home Credit financing company in the Denpasar city area. This research method uses quantitative data analysis techniques with multiple linear regression methods. The conclusion of the study is that there is a positive and partially significant effect between Personality on Credit Approval at Home Credit in Denpasar City and there is a partially positive and significant influence between Customer Capacity on Credit Approval at Home Credit in Denpasar City.

Application of The 5C Principle in Providing Financing to BNI Syariah Tomoni

This study aims: to find out how to apply the 5C principles in providing financing, as well as to find out the various obstacles that will be faced in implementing the 5C principles in providing financing at BNI Syariah Tomoni. The type of research used is qualitative research. By taking the research location at BNI Syariah Tomoni and the research informants were BNI Syariah Tomoni employees, totaling six people consisting of micro sales heads, micro financing risk officers, micro sales assistants, consumer sales, and processing & collaction assists. Data and data source used, namely primary data. The data collection technique in this study used interview techniques. The results showed that the application of the 5C principles in providing financing to BNI Syariah Tomoni has a very important role because the application of the 5C principles is sought so that banks avoid problem financing. The implementation of the 5C principle is the basis for the leadership of BNI Syariah Tomoni to determine whether the submission of a financing application is approved or rejected. from the ability of the prospective debtor that is not proportional to the nominal amount of the financing submitted to BNI Syariah Tomoni, as well as other obstacles such as the prospective debtor does not have collateral that can be guaranteed.

Tinjauan Yuridis Terhadap Pemberian Kredit Tanpa Agunan Untuk Modal Usaha Dengan Prudential Principle dan The Five C of Credit Analysis

When extending credit to consumers, banks and financial institutions will always take precautions to protect themselves if the credit recipient (debtor) defaults or is unable to repay the credit. If the credit is followed by the binding of collateral, this prevention occurs. If the debtor defaults, the guarantee will serve as a replacement for credit payments made by banks and other financial institutions. In accordance with Article 2 letter b of Law No. 10 of 1998 pertaining to Banking, a violation of the precautionary principle in the provision of credit by banks carries legal repercussions, including the imposition of criminal punishment or fines. This study employs a qualitative descriptive methodology. According to the findings of this study, the granting of credit by banks needs cautious action on the part of the bank. The risk associated with extending credit is so large that it is necessary to evaluate whether the prospective debtor is deserving of credit. In banking practice, both persons and legal entities can apply for credit. Each candidate must satisfy the bank's predetermined criteria.

PELAKSANAAN PERJANJIAN KREDIT MIKRO DENGAN JAMINAN UMUM PADA PT. BANK MANDIRI (PERSERO) TBK CABANG SUMENEP

The collapse of this sector will be able to cause a big shock to the state of the national economy. In accordance with article 8 of Law Number 10 of 1998 concerning Amendments to Law Number 7 of 1992 concerning banking which states that in providing credit or financing based on Sharia principles, commercial banks are required to have confidence based on in-depth analysis of the intentions and abilities and abilities of debtor customers. to pay off the debt or return the financing as promised and commercial banks are required to have and apply credit and financing guidelines based on Sharia principles, in accordance with the provisions stipulated by Bank Indonesia. The process of granting micro credit to PT. Bank Mandiri (Persero) Tbk. Sumenep Branch, the Bank must conduct an in-depth analysis of the prospective debtor on the debtor's ability/ability to repay all his debts in accordance with the agreed terms. In the implementation of micro credit agreements with general guarantees, where the debtor must pay installments of principal and interest in accordance with what was agreed with the Bank and maintain / protect the goods that have been guaranteed for the sake of smooth credit that has been given by the Bank to the debtor. Rescue efforts and settlement methods in the event of bad credit, the Bank must reschedule (rescheduling), reconditioning and restructuring. Because the amount of credit given is small, the settlement through KP2LN or the District Court does not need to be done. It is enough to take a family approach, allow for extension of credit repayment period, and perform write-offs (establishment of allowance for earning assets write-off).

Obstacles of Micro and Small Business Access to Kredit Usaha Rakyat (KUR) Program

This study aims to examine the obstacles of small and micro businesses in accessing credit business programs called Kredit Usaha Rakyat (KUR). The method of collecting data and information is done by desk documents and interviews with local government officials, personal banks implementing KUR, the poor who still cannot access microfinance and micro and small businesses, along with micro and small business actors who have obtained KUR in 9 districts/cities in Indonesia. The data analysis method uses descriptive analysis and Analytic Hierarchy Process (AHP). Based on the results of the AHP, access to services and KUR performance can be improved by taking into account several factors including: prospective debtor prospects, technical service capacity, policies and resources of banking, and macro factors. For research related to the future distribution of Kredit Usaha Rakyat (KUR), it is necessary to conduct an in-depth study of the impact on the development of micro and small businesses that receive KUR and increase the economic capacity of business actors who receive KUR.

Analisis Laporan Keuangan Sebagai Pendukung Keputusan Pemberian Kredit Modal Kerja PT. Bank Maspion Tbk Cabang Surabaya

For banks, one of the main sources of income is the distribution of credit funds, including working capital loans. The distribution of funds with debtors is carried out under certain conditions by analyzing the financial statements of prospective debtors for a certain period. It was the goal of this investigation to find out whether or not the prospective debtor firm would perform well as a borrower of working capital. Preparation of research findings via the use of descriptive methodologies. Research shows that borrowers qualify for working capital loans, as evidenced by the findings.

Deteksi Peluang Gagal Bayar Calon Debitur Menggunakan Algoritma Particle Swarm Optimization (PSO) untuk Meningkatkan Kinerja Manajemen Risiko pada Koperasi Simpan Pinjam ABC

Savings and Loan Cooperatives (KSP) are financial institutions that have an important role in economic and trade activities, useful for channeling funds in the form of loans to members who need them for business or business. In this paper, we examine the detection of potential debtors' default opportunities using the Particle Swarm Optimization (PSO) algorithm in a logistic regression model. In the analysis method, there are several steps: (1) standardizing the data on the risk factor data of prospective debtors, (2) determining the assumptions of the logistic regression model, (3) estimating the parameters of the logistic regression model using the Particle Swarm Optimization (PSO) algorithm, and (4 ) to test the significance of each variable. The probability of default is determined using the eligibility parameters of the prospective debtor based on past data variables owned by KSP "ABC" in Bandung, Indonesia. The results show that of the eight factors analyzed, there are six factors that have a significant influence on the risk of default, namely the age of the debtor, the number of family dependents, the amount of savings, the amount of collateral, the amount of credit, the credit period with an accuracy of 99.1%. Based on these six factors, a logistic regression model estimator is obtained that can be used to determine the probability of default from prospective debtors. This probability of default is very useful for KSP "ABC" to make a decision on whether or not to give credit, so that the performance of problem loan risk management can be guaranteed.

The Analysis of Risk Level Effect on Credit Decision Making

The study aims to determine the risk level of credit decision making. The research is descriptive qualitative. The research is conducted in PT. Bank Rakyat Indonesia (Persero) Tbk. Makassar. Methods of collecting data uses library research method and field research method. The research data uses qualitative data obtained from the results of literature study. In addition to qualitative data, it is also used financial reports for three years. The results of this research indicated that to anticipate non-performing loans, the specifications of prospective debtors were carried out in each credit-granting process. In granting credit, the specifications for the prospective debtor must be carried out.

The Implementation of the Going Concern Principle in Bankruptcy and The Suspension of Payment to Protect the Economic Rights of the Parties

This study aims to analyze the regulation on the going concern principle and indicators to determine the continuity of prospective business activity. It employed normative juridical method that was based on library research. It obtained secondary data sourced from primary, secondary, and tertiary legal materials. The study was analytical descriptive because the author described the going concern principle by referring to the Law Number 37 of 2004 on Bankruptcy and Suspension of Debt Payment Obligations (the Bankruptcy Law). subsequently, the study analyzed it to find relevant indicators to determine whether a prospective business activity can continue or not. The data were analyzed using a qualitative juridical method. The results indicate that the sustainability of the debtor’s business is crucial for the fulfillment of the economic rights of the debtor and creditor, even though the law does not provide indicators to determine that the prospective debtor’s business will continue. For this reason, decisions regarding the business continuity of debtors are influenced by various internal and external factors and must be made by competent parties.

Development of Nonparametric Path Model using Multivariate Adaptive Regression Spline (MARS) Method In Compliance Behavior of Paying Credit In Bank

The purpose of this study is to develop a Non-parametric Path with the MARS (Multivariate Adaptive Regression Spline) approach which is applied to the behavior of paying credit compliance at Bank. prospective debtor by a Bank. The data used in this study is primary data using a research instrument in the form of a questionnaire. There are 7 variables, namely 5 exogenous variables in the form of 5C variables (Character (X1), Capacity (X2), Capital (X3), Collateral (X4), Condition of Economy (X5)), and two endogenous variables, namely Punctual Payment (Y1), Obedient Paying Behavior (Y2). Variable measurement technique is done by calculating the average score on the items. Sampling in this study used a purposive sampling technique with the criteria of respondents in the study were mortgage debtors (House Ownership Credit) at Bank X. Respondents obtained in this study were 100 respondents. The analysis used is nonparametric path with Multivariate Adaptive Regression Spline (MARS) approach. The result of this research is the estimation of nonparametric Path function using MARS approach on various interactions. The best estimate of the function of obedient behavior in paying credit is when it involves 4 variables, namely Character (X1), Capacity (X2), Conditions of economy (X5), and On time pay (Y1) with a value of generalized cross-validation The smallest (GCV) obtained is 0.2496. The originality of this research is the development of a nonparametric path with the MARS approach that is able to capture interactions between existing variables and is also able to handle the limitations of the truncated spline to determine the position and number of knot points used when involving many predictor variables. There has been no previous research that has examined the development of a nonparametric path with the MARS approach.

ANALISIS KELAYAKAN PEMBERIAN KREDIT KUR PADA PT BANK RAKYAT INDONESIA CABANG PINRANG

This study aims to determine the standard procedures used in granting business loans to PT Bank BRI branch Pinrang district data collection techniques used in this study are field work research (Penelitian Lapangan), library research (Penelitian Kepustakaan), observation methods. The data analysis technicueused is descriptive qualitative. these are steps that should be taken into consideration by the analysis so that accurate data can be obtained accurately so that the bank is able to consider the appropriate amount of credit given to a prospective debtor based on his efforts.

PERLINDUNGAN HUKUM BAGI NASABAH TERHADAP RISIKO DALAM PERJANJIAN BANK DI INDONESIA

This research was conducted with the aim of finding out how legal protection measures for customers (debtors) as consumers of bank service users and how the accountability of the bank in the event of risks related to bank credit agreements. By using the normative juridical research method, the credit agreement is a standard contract, where the contents or clauses of the credit agreement have been standardized and set forth in a form (blank), but are not bound in a particular form. Prospective debtor customers only need to sign if they are willing to accept the contents of the agreement, not giving the prospective debtor the opportunity to further discuss the contents or clauses submitted by the bank. Standard agreements are needed to meet practical and collective needs. At this stage the position of the prospective debtor is very weak, so that he just accepts the terms offered by the bank, because otherwise the prospective debtor will not get the credit in question. The function of the Bank is as a financial mediator that bridges the owner of funds with the people who need funds, both as depositors of funds and borrowers of funds. In the relationship between banks and customers, bank actions often occur that are detrimental to their customers, but so far, legal protection is often not maximal, because in the relationship between banks and customers, it is seen that the bank dominates in banking transactions so that sometimes it is detrimental to customers.

Implementation of Credit Provision at BRI (Bank Rakyat Indonesia) with Guaranteed Certificate

The purpose of this study is to analyze 1). The process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. 2) Obstacles and solutions in the process of granting credit to the BRI Unit Link Kajen Bank when the guarantee is still a transfer of rights. This study uses a sociological juridical approach. The data used are primary and secondary data obtained through interviews and literature study, data analysis is descriptive analytic. The results of the research concluded: 1) The process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely submission of applications, submission of complete documents accompanied by photocopies of the documents for submitting the transfer of property rights to the Land Office, Examination, Analysis of memorandums, approval from branch leadership, execution and disbursement of loans by the Bank to debtors. The process of granting credit to the BRI Unit Link Kajen Bank is carried out by making a written agreement so that it is binding for the parties and becomes a strong evidence base if one day there is a dispute. 2. Constraints and solutions in the process of granting credit to the BRI Unit Link Kajen Bank at the time of the guarantee there was still a transfer of rights, namely the frequent delays in the delivery of notary orders so that the Notary did not have time to check administrative completeness or confirm to BPN due to limited time. Another obstacle is the difficulty of managing the time so that the signing of the deed can be signed together. The solution that can be done is to provide counseling to the bank about the order procedure carried out to a notary and provide understanding to the bank so that the files that have been submitted to the notary have actually been approved by the prospective debtor, both interest and administrative and insurance costs.