Articles

Vol 1 No 1 (2017): JURNAL ULET (Utility, Earning and Tax)

ANALISIS PRINSIP 5 C’S TERHADAP PEMBERIAN KREDIT PADA PT BANK RAKYAT INDONESIA TBK, CABANG TIMIKA (STUDI KASUS PADA UNIT SIMPANG LIMA SP 2)

Submitted
November 14, 2018
Published
November 14, 2018

Abstract

The aim of this research are: 1) To know the feasibility of  debtor character at PT Bank Rakyat Indonesia, Unit Simpang Lima SP 2; 2) To know the feasibility of debtor capacities; 3) To know the feasibility of capital  of the debtor; 4) To know the feasibility collateral (guarantee/collateral) of the debtors; 5) To know the feasibility condition of economy (economic conditions) of the debtor. The researcher used to take two samples being processed filing debtor credit. Data analysis techniques used are as follows: 1) To know  the feasibility of the debtor character used table to analyze the character of the debtor; 2) To know the feasibility of capacity (ability) of the debtor used the formula RPC (repayment capacity), namely: RPC = (total revenue minus cost and expenses) x 75%; 3) To know the feasibility of capital  of the debtor are used Total Asset to debt ratio; 4) To know the eligibility of collateral (guarantee) of the debtor used the calculation by estimating the sales price guarantee using market value and liquidation value; 5) To know the feasibility condition of economy (economic conditions)of the debtor used the scoring table. The results of research showed that: 1) the feasibility of characters (character/characters) debtor rated by 3 mutation analysis tools that account, BI Checking and checking community. Based on analysis of the character of debtor A and debtor B deserves credit facility. 2) In terms of the capacity of debtor A and B deserves credit for its RPC Rp 3.802.500and Rp1.762.500; 3) The leverage ratio for debtor A and debtor B each 0:04 and 0.0084, financing itself by debtor A and debtor B each 0 and 0; 4) A debtor's total collateral coverage of debtor A and B each 140% and 102,4%; 5) Based on the scoring table, debtor A and debtor B deserves credit. A score value for the  debtor A and B each 2, 6 and 4.