EMILIA DESI LISTYANINGSIH, 040610453 (2010) THE STUDY OF BANKING INTERNAL CONTROL STRUCTURE, DEBTORS' LEVEL OF ASSURANCE, AND DEBTORS' CAPITAL STRUCTURES TOWARDS EFFECTIVENESS AND EFFICIENCY OF CREDIT APPROVAL DECISIONS (CASE STUDY OF PT. BPD JATIM). Skripsi thesis, UNIVERSITAS AIRLANGGA.

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Abstract

The role as government bank carries out the special responsibilities to support national economic development through credit program for Medium Enterprises and Corporations. Inevitably, credit program benefit the banking company to contribute enormous advantages and profits. Credit approval decision is crucial factor in determining the improved performing credit for further contributed to support development of banking company itself. Thus, credit approval decision would contribute escorting credit payback optimally. This research studies the performance of banking internal control structures, debtors’ level of assurance, and debtors’ capital structures together with their implications on effectiveness and efficiency of credit approval decision in PT. BPD JATIM. Every variable that examine the object of the research contained of its each supporting factor. Valuable data from the subject of the research are in forms of interview, questionnaires, documentations, and archival records. Interpretation analysis is started from all research results compared to the theories gathered to assess the degree of effectiveness and efficiency of credit approval decision in PT. BPD JATIM. The result research discloses the performance of banking internal control, debtors’ level of assurance, and debtors’ capital structures in PT. BPD JATIM have positive impacts on maintaining effectiveness and efficiency of credit approval decision even yet having many deficiencies incurred especially regarding to segregation of duties and lack-comprehensive of credit procedures.

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