ANALISIS PROSES PELAKSANAAN PENGENDALIAN INTERN DALAM PROSEDUR PEMBERIAN KREDIT GUNA BHAKTI (KGB) POLA DUAKEPADA PERSEORANGAN (STUDI KASUS PADA BANK BJB CABANG SURABAYA)

TWINTA ITAKHUL KUMALA, 041511323030 (2019) ANALISIS PROSES PELAKSANAAN PENGENDALIAN INTERN DALAM PROSEDUR PEMBERIAN KREDIT GUNA BHAKTI (KGB) POLA DUAKEPADA PERSEORANGAN (STUDI KASUS PADA BANK BJB CABANG SURABAYA). Skripsi thesis, Universitas Airlangga.

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Abstract

Bank bjb is one of the regional banks in Indonesia and has expanded in almost all part of Indonesia, especially in big cities,one of them is in the city of Surabaya.The main activity of bank bjb is to raise funds from the public and redistribute them in the form of credit loans.One of the loans channeled is consumptive credit, namely Kredit Guna Bhakti (KGB).Kredit Guna Bhakti (KGB) is one type of consumer credit that returns from income/salary obtained by the debtor every month.channeling credit funds to customers contains risks not all customers are able to repay credit funds properly and on time.The implementation of an effective and efficient internal control system will be seen at the level of collectability achieved.Credit control as an effort to keep the distributed credit smooth.Based on the analysis of KGB lending the pattern of the two bank bjb Cabang Surabaya has implemented effective internal controls in accordance with the Bank Indonesia circular letter no. 5/22/DNDP in 2003 and the regulation Otoritas Jasa Keuangan (OJK) no. 42/POJK.03/2017,this is reflected in the data of consumer credit bank bjb Cabang Surabaya is still below 2%.These results indicate that the credit risk borne by the bank bjb is still small, and indicates that the implementation of the bank bjb Cabang Surabayainternal control has been effective.The everage number of KGB credit in the bank bjb Cabang Surabaya is due to external factors.

Item Type: Thesis (Skripsi)
Additional Information: KKB KK A 276/19 Kum a
Uncontrolled Keywords: Kredit Guna Bhakti (KGB), Non Performing Loan (NPL), collectibility level, internal control
Subjects: H Social Sciences > HG Finance > HG1-9999 Finance > HG3691-3769 Credit. Debt. Loans
Divisions: 04. Fakultas Ekonomi dan Bisnis > Akuntansi
Creators:
CreatorsNIM/NIDN
TWINTA ITAKHUL KUMALA, 041511323030UNSPECIFIED
Contributors:
ContributionNameNIDN/NIDK/NUP
ContributorYani Permatasari, '0002018902UNSPECIFIED
Depositing User: Unnamed user with email indah.fatma@staf.unair.ac.id
Date Deposited: 13 Sep 2019 07:33
Last Modified: 13 Sep 2019 07:33
URI: http://repository.unair.ac.id/id/eprint/86666
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