| dc.contributor.advisor | GUNAWAN, BARBARA | |
| dc.contributor.advisor | DEWI, PUSPITA | |
| dc.contributor.author | KAROHMAH, DYAH NURUL | |
| dc.date.accessioned | 2018-10-03T05:49:51Z | |
| dc.date.available | 2018-10-03T05:49:51Z | |
| dc.date.issued | 2018-08-18 | |
| dc.identifier.uri | http://repository.umy.ac.id/handle/123456789/21689 | |
| dc.description | Penelitian ini bertujuan untuk mengetahui jumlah kredit macet pada
Kantor Pusat PD BPR Bank Sleman, menjelaskan penyebab terjadinya kredit
macet dan menganalisis kesesuaian praktik dari kebijakan yang dilakukan Kantor
Pusat PD BPR Bank Sleman dalam menangani kredit macet dengan teori
Rescheduling, Reconditioning, dan Restructuring.
Metode yang digunakan adalah analisis deskriptif dengan menggunakan
data primer berupa hasil wawancara dengan Kepala Bagian Kredit pada Kantor
Pusat PD BPR Bank Sleman mengenai faktor penyebab kredit macet dan
kebijakan yang dilakukan dalam menangani kredit macet serta data sekunder yang
diperoleh dari laporan keuangan berupa Kualitas Kredit Menurut Jangka Waktu
dan Kualitas Aset Produktif.
Berdasarkan penelitian diperoleh hasil Non Performing Loan Kantor Pusat
PD BPR Bank Sleman selama periode 2010-2017 berada di angka 0,61%-1,63%.
Berdasarkan Peraturan Bank Indonesia No 15/2/PBI/2013 nilai NPL tersebut
digolongkan dalam criteria sehat. Hal tersebut menjelaskan bahwa, permasalahan
kredit macet yang dihadapi oleh Kantor Pusat PD BPR Bank Sleman berada
dalam tingkat yang sehat dan tidak menghawatirkan. Untuk penyebab terjadinya
kredit macet hanya dari pihak debitur dan pihak lain, sedangkan dari pihak intern
Bank sendiri penyebab kredit macet tidak ada. Dan kebijakan yang dilakukan
Kantor Pusat PD BPR Bank Sleman dalam menangani kredit macet belum sesuai
dengan teori Rescheduling, Reconditioning, dan Restructuring. | en_US |
| dc.description.abstract | This research aimed at finding out the number of non performing loan in
the Head Office of PD BPR Bank Sleman, explaining the cause of non performing
loan and analyzing the practice conformity of the policy implemented in the head
office of PD BPR Bank Sleman in handling non performing loan with theory of
Rescheduling, Reconditioning and Restructuring.
The method conducted was descriptive analysis using primary data from
interview with Head of Loan Division at PD BPR Bank Sleman. The interview
was about factors that causes Non Performing Loan and the policy taken in
handling it. Other than interview, the analysis also uses secondary data from
financial statement in the form of credit quality according to time and productive
asset quality.
Based on the research result, the value of Non Performing Loan of the
Head Office of PD BPR Bank Sleman durung 2010 – 2017 was in 0.61% - 1.63%.
Based on the Regulation of Bank Indonesia No. 15/2/PBI/2013, the value of NPL
was categorized into healthy criterion. It explained that the problems of non
performing loan faced by the Head Office of PD BPR Bank Sleman was in
healthy and not in worrying level. The cause of non performing loan was only
from the debtor and other party, while there was no factor causing non performing
loan from the internal part of the Bank. In addition, the policy implemented in the
Head Office of PD BPR Bank Sleman in handling non performing loan has not
been in accordance with the theory of Rescheduling, Reconditioning, and
Restructuring. | en_US |
| dc.publisher | PROGRAM VOKASI UNIVERSITAS MUHAMMADIYAH YOGYAKARTA | en_US |
| dc.subject | Non Performing Loan, PD BPR Bank Sleman | en_US |
| dc.title | ANALISIS KREDIT MACET PADA KANTOR PUSAT PD BPR BANK SLEMAN PERIODE TAHUN 2010-2017 | en_US |
| dc.type | Thesis
SKR
VOK
093 | en_US |
