IMPLEMENTASI SISTEM DAN PROSEDUR PEMBERIAN KREDIT USAHA MANDIRI (KUM) PADA PT BANK SULSELBAR CABANG GOWA

marniati marniati, Asdi Asdi, Asdi Asdi, Muhamaad Akib, Muhamaad Akib

Abstract


This study aims to describe how the implementation of the system and procedures for providing independent business credit (KUM) at PT. Bank Sulselbar, Gowa Branch. The type of research used is descriptive qualitative research, which is a study that is intended to collect data and information about a phenomenon and facts about the object and the place of research in accordance with what was at the time of the research. This research was conducted at Jalan Hos Coakrominoto No. 2 Sungguminasa Gowa by selecting 3 resource persons, namely 2 employees in the division of Bank Sulselbar's credit division in Gowa branch and 1 person as a customer in providing independent business credit. Data collection techniques use observation or observation techniques, interviews and documentation. The system and procedure for granting loans used by the bank is based on the Standard Operating Procedure (SOP). The results of the study show that using standard operating procedures (SOPs) is able to facilitate the lending process so that it can run effectively


Full Text:

PDF

References


Kasmir, M. 2006. Manajemen Perbankan. Jakarta: PT Raja Grapindo Persada

Kasmir. 2014. Bank dan Lembaga keuangan Lainnya. Ed. Revisi-cet.18- Jakarta : Rajawali pers.

Rahman, A., & Rasulong, I. (2015). Empowerment of Creative Economy to Improve Community Incomes in Takalar Regency. IOSR Journal of Business and ManagementVer, 17(4), 2319-7668.

Rasulong, I. (2011). Faktor Penentu Motivasi Dan Kepuasan Kerja Karyawan Di Universitas Muhammadiyah Makassar. B alance, 7(2), 51.

Rasulong, I. (2012). Implikasi Dana Perimbangan Terhadap Pertumbuhan Ekonomi Dan Dampaknya Terhadap Pendapatan Asli Daerah Kabupaten Takalar. JEB, 8(2).

Rahim, A. R., Rasulong, I., Jusriadi, E., & Adzim, F. (2016). STRATEGI IMPLEMENTASI MODEL PENGEMBANGAN WIRAUSAHAWAN MUDA BAGI MASYARAKAT PESISIR KABUPATEN TAKALAR. Balance, 14(02).

Rasulong, I. (2011). PEMAHAMAN NASABAH TENTANG KONSEP MUDHARABAH (Studi Pada BMT Ditha Anugerah Abadi Makassar). Jurnal Ekonomi Balance, 7(1), 32-42.

Rusydi, M., & Rasulong, I. (2009). Dampak Kredit Rentenir terhadap Keuntungan Usaha Pagandeng Sayur di Kecamatan Pallangga Kabupaten Gowa. Jurnal Ekonomi Balance, 5(2), 159-167.

Rasulong, I., & Asdi, M. A. S. MODEL PENGEMBANGAN WIRAUSAHAWAN MUDA BAGI MASYARAKAT PESISIR KABUPATEN TAKALAR.

Ranatarisza, Mirza M., Noor, Max Advian. 2013. Sistem Informasi Akuntansi pada Aplikasi Administrasi Bisnis. Malang:UB Press.




DOI: https://doi.org/10.26618/profitability.v3i2.2545

Refbacks

  • There are currently no refbacks.


Creative Commons License
Jurnal ilmu Manajemen Profitability is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.

Flag Counter