PROSEDUR PEMBERIAN KREDIT MIKRO (KREASI) PADA PT PEGADAIAN (PERSERO) CABANG PELITA MAKASSAR

Imran Tahalua

Abstract


The objectivies of the research were to find out kind evaluate the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar. The research was analysed descriptive qualitatively, the data were collected through observations and interviewing. This research was conducted in April to May 2020. The result of the research showed that the procedure of providing Micro Credit program (KREASI) at PT Pegadaian (Persero) Branch Pelita Makassar has been conducted well, starting with the introduction and approach of potential borrowers, the application stage for micro credit, identifying data. After identifying the data by the credit department, it can be deemed done or denied. The borrower then interviewing and the credit department reviewed the debtor directly. Afterwords, the credit department of analysis then analyzing the borrower’s credit to be given. If it is approved, the loan agreement (SPK) will be issued by the credit department and then make a credit agreement. If it is not approved, the credit department will issue a denial letter and return it to a customer.


Keywords


Procedure, Credit, Micro (KREASI)

Full Text:

PDF

References


Budisantoso, Totok dan Sigit Triandaru. 2006. Bank dan Lembaga Keuangan Lain. Jakarta: Salemba Empat

Joko Subagyo.1999. Metode Penelitian dalam Teori dan Praktek.

Jakarta:Rineka Cipta

Kasmir. 2011. Analisis Laporan Keuangan. Jakarta: PT. Raja Grafindo Persada

Kasmir. 2012. Bank dan Lembaga Kuangan Lainnya. Jakarta: PT. Raja Grafindo Persada

Kasmir. 2014. Analisis Laporan Keuangan. Jakarta: PT. Raja Grafindo Persada

Kasmir. 2014. Dasar-Dasar Perbankan. Jakarta: PT. Raja Grafindo Persada

Kasmir. 2016. Analisis Laporan Keuangan. Jakarta: PT. Raja Grafindo Persada

Kasmir. 2016. Bank dan Lembaga Kuangan Lainnya. Jakarta: PT. Raja Grafindo Persada

Kasma,Juan. 2012. Standard Operating Procedure Perpajakan Perusahaan Jasa. Bandung: Alfabeta

Mulyadi. 2016. Sistem Informasi Akuntansi. Jakarta: Salemba Empat Puspitawati, Lilis dan Sri Dewi Anggadini. 2011. Sistem Informasi

Akuntansi. Yogyakarta: Graha Ilmu

Friscadewi, Erlinda. 2010. “Prosedur Pemberian Kredit Mikro (Kreasi) Pada PT. Pegadaian (Persero) Unit Pengelola Cabang Lubuk Buaya”. Skripsi. Fakultas Hukum, Universitas Sebelas Maret, Surakarta

Fransiska, Meylisa. 2017. “Prosedur Pemberian Kredit Pada Pt. Pegadaian (Persero) Cabang Gaharu Medan”. Tugas Akhir. Fakultas Ekonomi Dan Bisnis, Program Studi Diploma III Keuangan, Universitas Sumatera Utara, Medan

“Profile dan Produk Pegadaian”, https://www.pegadaian.co.id/ (diakses pada 5 Mei 2020)

Kitab Undang-undang Hukum Perdata (KUHP) Pasal 1150 Tentang Pengertian Gadai

Undang-undang Nomor 9 tahun 1969 pasal 6 Tentang Landasan Hukum Gadai

Undang-undang Nomor 9 tahun 1969 pasal 7 Tentang Landasan Hukum Gadai

Menurut Undang-Undang Perbankan Nomor 10 Tahun 1998 Tentang Kredit

Menurut Undang-Undang No. 42 Tahun 1999 Tentang Fidusia Pasal 1 Angka 1




DOI: https://doi.org/10.26618/profitability.v5i1.4852

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