Analisis Pengendalian Pemberian Kredit Pemilikan Rumah (Kpr) dalam USAha Mengatisipasi Terjadinyakredit Bermasalah (Studi pada PT. Bank Tabungan Negara(persero) Tbk. Kantor Cabang Kediri)

Jurnal Administrasi Bisnis (JAB)|Vol. 49 No. 2 Agustus 2017| administrasibisnis.studentjournal.ub.ac.id

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ANALISIS PENGENDALIAN PEMBERIAN KREDIT PEMILIKAN RUMAH (KPR)

DALAM USAHA MENGATISIPASI TERJADINYAKREDIT BERMASALAH

(Studi Pada PT. Bank Tabungan Negara(Persero) Tbk. Kantor Cabang Kediri)

Dwi Sulistyaningsih Moch. Dzulkirom AR

Zahroh Z.A

Fakultas Ilmu Administrasi Universitas Brawijaya

Malang

Email : dwisulistya31@gmail.com

ABSTRACT

This reseZ_{rch as a purpose on the control of gr}Z_{nting MORTG}:_{GE credit} Z_pplicZ_{tion process, credit} Z_nZ_lysis,

credit withdrZ_wZ_ls Z_{nd monitoring credit} Z_{nd b}Z_{d debt using: the r}Z_{tio of Non Performing Lo}Z_{n (NPL)} Z_{nd rescue}

troubled credit method. This type of reseZ_{rch using qu}Z_litZ_{tive rese}Z_{rch. In this study d}Z_tZ _{collection used is}

interviews Z_{nd the document}Z_{tion.This rese}Z_{rch showed th}Z_{t the} Z_pplicZ_{tion of the control elements} Z_re Z_{dministering Mortg}Z_{ges PT B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk. Br}Z_{nch offices of Kediri r}Z_{nging from}

personnel who Z_{re competent} Z_{nd trustworthy, to monitoring or supervision of credit h}Z_{s been executed well.}

However, Z_dequZ_{te sep}Z_rZ_{tion of duties on still not done with the m}Z_{ximum.Report on the results of the Non}

Performing LoZ_{n (NPL) of the PT B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk. Br}Z_{nch offices of Kediri showed in}

2014-2016 number of NPL is still experiencing ups Z_{nd downs, it is due to the l}Z_{rge number of debtors who h}Z_ve

not mZ_{de p}Z_{yment of inst}Z_{llment credit every month} Z_{nd do credit} Z_rreZ_{rs. The} Z_pplicZ_{tion of the resolution of}

bZ_{d debt th}Z_{t the comp}Z_{ny h}Z_{s done on} Z _combinZ_{tion of methods h}Z_{s not been c}Z_{rried out bec}Z_{use the dsering}

debtors tend to choose the method reschedulling, reconditioning, Z_{nd restructuring in the implement}Z_{tion of the}

settlement.

Keywords: Mortgages, Bad Debt, Credit Control.

ABSTR:_K

PenelitiZ_{Q LQL EHUtujuan p}Z_dZ _pengendZ_liZ_{n pemberi}Z_{n KPR p}Z_dZ _{proses permohon}Z_{n kredit,} Z_nZ_{lisis kredit,}

penZ_rikZ_{n kredit d}Z_{n pem}Z_ntZ_uZ_{n kredit sert}Z _{kredit berm}Z_sZ_lZ_{h deng}Z_{n menggun}Z_kZ_{n : r}Z_{sio Non Performing}

LoZ_{n (NPL) d}Z_{n metode penyel}Z_mZ_tZ_{n kredit berm}Z_sZ_lZ_{h. Jenis peneliti}Z_{n ini menggun}Z_kZ_{n peneliti}Z_{n ku}Z_litZ_tif.

DZ_lZ_{m peneliti}Z_{n ini pengumpul}Z_{n d}Z_tZ _yZ_{ng digun}Z_kZ_{n i}Z_lZ_{h w}Z_wZ_ncZ_rZ_{, d}Z_{n dokument}Z_si.PenelitiZ_{n ini}

menunjukZ_{n b}Z_hwZ _penerZ_pZ_{n unsur-unsur pengend}Z_liZ_{n pemberi}Z_{n Kredit Pemilik}Z_{n Rum}Z_{h PT. B}Z_nk

TZ_bungZ_{n Neg}Z_rZ _{(Persero) Tbk. K}Z_{ntor C}Z_bZ_{ng Kediri mul}Z_{i d}Z_{ri personil y}Z_{ng kompeten d}Z_{n d}Z_pZ_{t diperc}Z_yZ_,

hinggZ _pZ_dZ _pemZ_ntZ_uZ_n Z_tZ_{u peng}Z_wZ_sZ_{n kredit tel}Z_{h dij}Z_lZ_nkZ_{n deng}Z_{n b}Z_{ik. N}Z_{mun, p}Z_dZ _pemisZ_hZ_{n tug}Z_s

yZ_{ng mem}Z_dZ_{i m}Z_{sih belum terl}Z_ksZ_nZ _dengZ_{n m}Z_ksimZ_{l. P}Z_dZ _{kredit m}Z_{cet d}Z_{ri d}Z_{ri tig}Z _tZ_{hun ter}Z_khir

mengZ_lZ_{mi penurun p}Z_dZ _jumlZ_{h debitur, h}Z_{l tersebut men}Z_ndZ_kZ_{n b}Z_hwZ _kesZ_dZ_rZ_{n debitur untuk mel}Z_kukZ_n

pelunZ_sZ_{n meningk}Z_t.PZ_dZ _hZ_{sil l}Z_porZ_{n Non Performing Lo}Z_{n (NPL) PT. B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk.}

KZ_{ntor C}Z_bZ_{ng Kediri menunjukk}Z_{n p}Z_dZ _tZ_{hun 2014-2016 juml}Z_{h NPL m}Z_{sih meng}Z_lZ_{mi n}Z_{ik d}Z_{n turun, h}Z_l

tersebut kZ_renZ _bZ_nyZ_knyZ _jumlZ_{h debitur y}Z_{ng belum mel}Z_kukZ_{n pemb}Z_yZ_rZ_n Z_ngsurZ_{n kredit ti}Z_{p bul}Z_nnyZ _dZ_n

melZ_kukZ_{n tungg}Z_kZ_{n kredit. Pener}Z_pZ_{n penyeles}Z_iZ_{n kredit berm}Z_sZ_lZ_{h y}Z_{ng tel}Z_{h dil}Z_kukZ_{n perus}Z_hZZ_{n p}Z_dZ

metode kombinZ_{si belum dsering dil}Z_kukZ_{n k}Z_renZ _pZ_rZ _{debitur cenderung memilih metode reschedulling,}

reconditioning, dZ_{n restructuring d}Z_lZ_{m pel}Z_ksZ_nZZ_{n penyeles}Z_iZ_n.

Jurnal Administrasi Bisnis (JAB)|Vol. 49 No.1 Agustus 2017| administrasibisnis.studentjournal.ub.ac.id

40 1. 3(1':_+8/8:₁

PerbZ_nkZ_{n memiliki tug}Z_{s y}Z_{ng penting}

dZ_lZ_{m su}Z_{tu perekonomi}Z_{n y}Z_{ng d}Z_lZ_m

pelZ_ksZ_nZZ_nyZ _melZ_kukZ_{n sistem terk}Z_{it untuk}

memenuhi kebutuhZ_{n m}Z_syZ_rZ_kZ_{t seperti}

memberikZ_{n d}Z_nZ _kepZ_dZ _nZ_sZ_bZ_{h y}Z_ng

membutuhkZ_{n, sehingg}Z _kebutuhZ_{n y}Z_{ng belum}

terpenuhi Z_khirnyZ _dZ_pZ_{t terpenuhi deng}Z_{n b}Z_ik.

Menurut DZ_rmZ_{wi (2011:4) tug}Z_{s d}Z_{ri b}Z_{nk umum}

sendiri dZ_pZ_{t digolongk}Z_n Z_tZ_{s: 1) Menghimpun d}Z_nZ

dZ_{ri t}Z_bungZ_{n m}Z_syZ_rZ_kZ_{t.2) Menyedi}Z_kZ_{n d}Z_nZ

untuk dipinjZ_mkZ_{n (kredit). 3) Menyedi}Z_kZ_{n j}Z_sZ _lZ_lu

lintZ_{s pemb}Z_yZ_rZ_{n. 4) Mencipt}Z_kZ_{n u}Z_{ng gir}Z_{l. 5)}

MenyediZ_kZ_{n f}Z_silitZ_{s untuk memperl}Z_ncZ_r

perdZ_gZ_ngZ_{n lu}Z_{r negeri. 6) menyedi}Z_kZ_{n j}Z_sZ_-jZ_sZ

trusty (wZ_li Z_mZ_nZ_t).7)MenyediZ_kZ_{n berb}Z_gZ_{i j}Z_sZ

yZ_{ng bersif}Z_{W ³off b}Z_lZ_{nce sheet´ VHSHUWL M}Z_sZ_sZ_fety

deposit boxes, sZ_{ve keeping, g}Z_rZ_{nsi b}Z_{nk, d}Z_{n l}Z

in-lZ_in. :_dZ_{pun Fungsi ut}Z_mZ _perbZ_nkZ_{n y}Z_ng

merupZ_kZ_{n indik}Z_{tor kem}Z_juZ_{n su}Z_{tu neg}Z_rZ _dimZ_nZ

bZ_{nk menj}Z_{di s}Z_lZ_{h s}Z_{tu penunj}Z_{ng kegi}Z_tZ_n

perekonomiZ_{n d}Z_{n seb}Z_gZ_{i b}Z_dZ_{n us}Z_hZ _yZ_ng

bertugZ_{s untuk menghimpun d}Z_nZ _dZ_{ri m}Z_syZ_rZ_kZ_t

dZ_{n meny}Z_lurkZ_{n kemb}Z_{li kep}Z_dZ_PZ_V\Z_UZ_NZ_{W G}Z_OZ_P

bentuk kredit.

Seiring berjZ_lZ_nyZ _wZ_{ktu h}Z_rgZ _tZ_nZ_h Z_tZ_u

rumZ_{h sem}Z_{kin n}Z_{ik ti}Z_{p t}Z_hunnyZ _hZ_{l ini}

dikZ_renZ_kZ_{n sem}Z_{kin bes}Z_rnyZ _minZ_{t m}Z_syZ_rZ_kZ_t

untuk membeli rumZ_{h d}Z_{n memiliki temp}Z_{t tingg}Z_l

mZ_{upun dij}Z_dikZ_{n temp}Z_{t us}Z_hZZ_kZ_{n tet}Z_{pi h}Z_{l ini}

tidZ_{k didukung deng}Z_{n juml}Z_{h lu}Z_{s t}Z_nZ_{h y}Z_ng

berZ_dZ _{di m}Z_syZ_rZ_kZ_{t. Berd}Z_sZ_rkZ_{n d}Z_tZ _dZ_{ri B}Z_dZ_n

PusZ_{t St}Z_{tistik (BPS) per M}Z_{ret 2015, m}Z_sih Z_dZ

sekitZ_{r 11,38 jut}Z _kepZ_lZ _keluZ_rgZ _yZ_{ng belum}

memiliki rumZ_h Z_tZ_{u temp}Z_{t tingg}Z_{l. D}Z_{n untuk}

mengurZ_ngi Z_ngkZ _{tersebut pemerint}Z_{h bekerj}Z _sZ_mZ

dengZ_{n B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(BTN) y}Z_{ng sud}Z_h

40 tZ_{hun tel}Z_{h membi}Z_yZ_{i Kredit Pemilik}Z_{n Rum}Z_h

(KPR) sebZ_nyZ_{k 570.000 unit} Z_tZ_{u senil}Z_{i Rp 168}

triliun. DZ_{n p}Z_dZ _bulZ_{n september 2016 pembi}Z_yZZ_n

tersebut telZ_{h menc}Z_pZ_{i 467.153 unit senil}Z_{i 81,96%}

dZ_{ri juml}Z_{h t}Z_{rget progr}Z_{m sejut}Z _rumZ_{h seb}Z_nyZ_k

570.000 unit. (sumber : OkezoneFinZ_nce)

Kredit PemilikZ_{n Rum}Z_{h (KPR) merup}Z_kZ_n

suZ_{tu f}Z_silitZ_{s kredit konsumtif y}Z_{ng dit}Z_wZ_rkZ_n

kepZ_dZ _nZ_sZ_bZ_{h b}Z_{nk y}Z_{ng ingin membeli} Z_tZ_u

memperbZ_ikirumZ_{h deng}Z_{n mel}Z_kukZ_{n pemb}Z_yZ_rZ_n

secZ_rZZ_ngsurZ_{n berd}Z_sZ_rkZ_{n bung}Z _dZ_{n j}Z_ngkZ _wZ_ktu

yZ_{ng tel}Z_{h disep}Z_kZ_{ti. KPR sendiri terd}Z_pZ_{t 2 jenis}

yZ_{itu :}

1. KPR Subsidi, yZ_{itu sistem kredit y}Z_{ng diberik}Z_n

kepZ_dZ _mZ_syZ_rZ_kZ_{t y}Z_{ng mempuny}Z_{i pengh}Z_silZ_n

menengZ_{h keb}Z_wZ_{h y}Z_{ng bertuju}Z_{n untuk}

memenuhi kebutuhZ_{n rum}Z_{h y}Z_{ng ingin dimiliki.}

2. KPR Non Subsidi, yZ_{itu Kredit Pemilik}Z_{n Rum}Z_h

yZ_{ng d}Z_pZ_{t diperoleh oleh seluruh m}Z_syZ_rZ_kZ_t

yZ_{ng mengingink}Z_nnyZ_{. (Muh}Z_mmZ_{d,2002 : 71).}

PT. BZ_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk.}

KZ_{ntor C}Z_bZ_{ng Kediri merup}Z_kZ_{n s}Z_lZ_{h s}Z_{tu k}Z_ntor

cZ_bZ_{ng PT. B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk}

yZ_{ng memberik}Z_{n pel}Z_yZ_nZ_{n pembi}Z_yZZ_{n Kredit}

PemilikZ_{n Rum}Z_{h (KPR) d}Z_lZ_{m produk b}Z_{nk y}Z_ng

ditZ_wZ_rkZ_{n kep}Z_dZ _pZ_rZ _nZ_sZ_bZ_{h. Pemberi}Z_{n kredit}

yZ_{ng dil}Z_kukZ_{n pih}Z_{k b}Z_{nk kep}Z_dZ _cZ_{lon debitur}

memerlukZ_{n pengend}Z_liZ_{n y}Z_{ng tep}Z_t Z_gZ_r

terlZ_ksZ_nZ_nyZ _kesepZ_kZ_tZ_{n berj}Z_lZ_{n deng}Z_{n b}Z_ik

sehinggZ _pZ_rZ _nZ_sZ_bZ_{h tid}Z_k Z_kZ_{n mer}Z_sZ _kesulitZ_n

dengZ_{n m}Z_sZ_lZ_{h n}Z_ik/turunnyZZ_ngsurZ_{n s}ZZ_{t suku}

bungZ_VHGZ_{QJ WLG}Z_{N E}Z_{LN .HPXG}Z_KZ_Q-NHPXGZ_KZ_Q

\Z_{QJ WHO}Z_{K GLEHULN}Z_{Q NHS}Z_GZ _QZ_VZ_EZ_{K SHUOX}

GLZZ_VSZ_GZ_{L G}Z_{Q PHO}Z_NXNZ_{Q SHQJHQG}Z_OLZ_{Q ROHK SLK}Z_N

EZ_{QN K}Z_{O LQL GLN}Z_UHQZ_NZ_{Q EHUKXEXQJ}Z_{Q GHQJ}Z_Q

OZ_QFZ_{U WLG}Z_NQ\Z _SZ_UZ _QZ_VZ_EZ_{K PHO}Z_NXNZ_Q Z_QJVXUZ_Q

NHZZ_MLEZ_{Q .HWLN}Z _QZ_VZ_EZ_{K PHO}Z_NXNZ_{Q SHPE}Z_\Z_UZ_Q

WLGZ_{N VHVX}Z_{L S}Z_GZ_ZZ_{NWX WHPSR \}Z_{QJ VXG}Z_{K GLVHS}Z_NZ_WL

PZ_NZ _KZ_{O LQL} Z_NZ_{Q PHPSHQJ}Z_{UXKL SHUWXPEXK}Z_Q

NHVHKZ_WZ_{Q E}Z_{QN .HWLN}Z _SZ_UZ _QZ_VZ_EZ_{K PHO}Z_NXNZ_Q

SHPEZ_\Z_UZ_{Q PHOHELKL Z}Z_{NWX WHPSR \}Z_{QJ GLVHS}Z_NZ_WL

PZ_NZZ_NZ_{Q PHQLPEXON}Z_{Q NUHGLW EHUP}Z_VZ_OZ_KZ_WZ_XNon

PerforPLQJ /RZ_{Q (NPL).}

6WZ_QGZ_U :_NXQWZ_{QVL .HX}Z_QJZ_{Q 1R UHYLVL}

\Z_{QJ PHQ\HEXWN}Z_{Q E}Z_KZZ _{³.UHGLW non}

performing SZ_GZ _XPXPQ\Z _PHUXSZ_NZ_{Q NUHGLW \}Z_QJ

SHPEZ_\Z_UZ_Q Z_QJVXUZ_{Q SRNRN} Z_WZ_{X EXQJ}Z_Q\Z _WHOZ_K

OHZZ_{W VHPELO}Z_{Q SXOXK K}Z_UL Z_WZ_{X OHELK VHWHO}Z_{K M}Z_WXK

WHPSRZ_WZ_{X NUHGLW \}Z_{QJ SHPE}Z_\Z_UZ_QQ\Z_VHFZ_UZ _WHSZ_W

ZZ_{NWX V}Z_QJZ_{W GLU}Z_JXNZ_{Q ´ 7LG}Z_{N WHS}Z_WQ\Z _GHELWXU

PHOZ_NXNZ_{Q SHPE}Z_\Z_UZ_{Q G}Z_SZ_{W PHQJ}Z_NLEZ_WNZ_Q

WHUJZ_QJJXQ\ZZ_NWLYLWZ_{V SHUE}Z_QNZ_{Q G}Z_{Q SLK}Z_{N E}Z_QN

GZ_SZ_{W PHQJ}Z_OZ_{PL NHUXJL}Z_{Q 6HKLQJJ}Z _SHUOXQ\Z

SHQJHQGZ_OLZ_{Q NUHGLW G}Z_OZ_{P \}Z_{QJ WHO}Z_{K GLEHULN}Z_Q

NUHGLW KZ_{UXV EHUM}Z_OZ_{Q VHVX}Z_{L SURVHGXU GHQJ}Z_{Q E}Z_LN

GZ_{Q P}Z_NVLPZ_{O 8QWXN G}Z_SZ_{W PHO}Z_NXNZ_{Q SURVHV}

SHQJHQGZ_OLZ_{Q NUHGLW GHQJ}Z_{Q E}Z_{LN P}Z_NZ _EZ_{QN SHUOX}

PHPSHUKZ_WLNZ_Q Z_VSHN-Z_{VSHN SHQJHQG}Z_OLZ_{Q NUHGLW}

\Z_{QJ GLMHO}Z_VNZ_{Q PHQXUXW 7}Z_ZZ_{I \}Z_NQL

GZ_OZ_{P SHQJHQG}Z_OLZ_{Q NUHGLW K}Z_UXV Z_GZ _VLVWHP

SHQJHQGZ_OLZ_{Q LQWHUQ \}Z_{QJ E}Z_{LN K}Z_UXV Z_GZ _NHELMZ_NZ_Q

SHUNUHGLWZ_{Q WHUWXOLV \}Z_{QJ GLVHWXMXL ROHK GLUHNVL K}Z_UXV Z_GZZ_SSZ_UZ_{W \}Z_{QJ NRPSHWHQ \}Z_QJ Z_NZ_{Q PHPSURVHV}

Jurnal Administrasi Bisnis (JAB)|Vol. 49 No.1 Agustus 2017| administrasibisnis.studentjournal.ub.ac.id

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NUHGLW GZ_{Q K}Z_UXV Z_GZ _{IXQJVL review WHUK}Z_GZ_{S NUHGLW}

\Z_{QJ WHO}Z_{K GLEHULN}Z_Q

2. KAJIAN 3867:_.: 2.1. PerbZ_nkZ_n

2.1.1.PengertiZ_{n B}Z_nk

Menurut KZ_{mus Bes}Z_{r B}Z_hZ_sZ _IndonesiZ

tentZ_{ng perb}Z_nkZ_{n B}Z_nk Z_dZ_lZ_{h b}Z_dZ_{n us}Z_hZ _di

bidZ_{ng keu}Z_ngZ_{n y}Z_{ng men}Z_{rik d}Z_{n mengelu}Z_rkZ_n

uZ_{ng d}Z_lZ_{m m}Z_syZ_kZ_rZ_{t, terut}Z_mZ _memberikZ_{n kredit}

dZ_{n j}Z_sZ _dZ_lZ_{m l}Z_{lu lint}Z_{s pemb}Z_yZ_rZ_{n d}Z_{n pered}Z_rZ_n

uZ_{ng. 6HG}Z_QJNZ_{Q Menurut Und}Z_ng-UndZ_{ng RI No.}

10 TZ_{hun 1998 PHQ}Z_UWLNZ_{Q E}Z_{QN VHE}Z_JZ_LbZ_dZ_{n us}Z_hZ

yZ_{ng d}Z_pZ_{t menghimpun d}Z_nZ _dZ_{ri m}Z_syZ_rZ_kZ_{t d}Z_lZ_m

bentuk simpZ_nZ_n Z_tZ_{u t}Z_bungZ_{n d}Z_{n meny}Z_lurkZ_n

kembZ_{li kep}Z_dZ _mZ_syZ_rZ_kZ_{t d}Z_lZ_{m bentuk kredit d}Z_n Z_tZ_{u bentuk-bentuk l}Z_innyZ _yZ_{ng dibutuhk}Z_n

mZ_syZ_rZ_kZ_{t d}Z_lZ_{m r}Z_ngkZ _meningkZ_tkZ_{n t}Z_{rif hidup}

rZ_kyZ_{t b}Z_nyZ_k.

2.1.2.Fungsi BZ_nk

Menurut PZ_sZ_{l 3 Und}Z_ng-UndZ_{ng No. 10}

TZ_{hun 1998 tent}Z_{ng perb}Z_nkZ_{n diny}Z_tZ_kZ_{n b}Z_hwZ

perbZ_nkZ_{n di Indonesi}Z _{memiliki fungsi seb}Z_gZ_i

penghimpun dZ_nZ _dZ_{n peny}Z_{lur d}Z_nZ _mZ_syZ_rZ_kZ_t.

2.2. 3HUNUHGLWZ_Q 2.2.1.PengertiZ_{n Kredit}

Menurut UU Pokok PerbZ_nkZ_{n No. 10 T}Z_hun

1998Kredit Z_dZ_lZ_{h penyedi}ZZ_{n u}Z_ng Z_tZ_{u t}Z_gihZ_n

yZ_{ng d}Z_pZ_{t dipers}Z_mZ_kZ_{n deng}Z_{n itu, berd}Z_sZ_rkZ_n

persetujuZ_n Z_tZ_{u kesep}Z_kZ_tZ_{n pinj}Z_m-meminjZ_m Z_btZ_rZ _bZ_{nk deng}Z_{n pih}Z_{k l}Z_{in y}Z_{ng mew}Z_jibkZ_n

pihZ_{k peminj}Z_{m untuk melun}Z_{si ut}Z_ngnyZ _setelZ_h

jZ_ngkZ _wZ_{ktu tertentu deng}Z_{n pemberi}Z_{n bung}Z

2.2.2.KolektibilitZ_{s Kredit}

:_{set produktif} Z_dZ_lZ_{h keseluruh}Z_{n y}Z_ng

dimiliki bZ_{nk deng}Z_{n m}Z_{ksud untuk memperoleh}

penghZ_silZ_{n sesu}Z_{i deng}Z_{n fungsiny}Z _sehinggZ _kredit

merupZ_kZ_{n s}Z_lZ_{h s}Z_tu Z_{set bentuk d}Z_ri Z_{set produktif.}

SetiZ_{p f}Z_silitZ_{s kreditmempuny}Z_{i tingk}Z_t

kemungkinZ_{n re}Z_lisZ_{si pemb}Z_yZ_rZ_{n bung}Z _dZ_{n pokok}

oleh debitur yZ_{ng berbed}Z_-bedZ_{. Ku}Z_litZ_s Z_set

produktif bZ_{nk dinil}Z_{i berd}Z_sZ_rkZ_{n berd}Z_sZ_rkZ_{n p}Z_dZ

kolektibilitZ_snyZ_.

2.2.3.Unsur-Unsur Kredit

KepercZ_yZZ_n Z_dZ_lZ_{h unsur y}Z_{ng penting}

dZ_lZ_{m perj}Z_njiZ_{n kredit} Z_ntZ_rZ _yZ_{ng memberik}Z_n

kredit dngZ_{n y}Z_{ng menerim}Z _kredit Z_gZ_{r d}Z_pZ_t

melZ_ksZ_nZ_kZ_{n h}Z_{k d}Z_{n kew}Z_jibZ_{n sesu}Z_{i deng}Z_n

kesepZ_kZ_tZ_{n y}Z_{ng tel}Z_{h disep}Z_kZ_ti. :_dZ_pun

unsur-unsur yZ_{ng terk}Z_{ndung d}Z_lZ_{m pemberi}Z_{n f}Z_silitZ_s

kredit Menurut KZ_{smLU VHE}Z_JZ_{L EHULNXW:}

a. :_dZ_nyZ _sZ_{ling perc}Z_yZZ_ntZ_{r pih}Z_{k debitur}

mZ_{upun kreditur.}

b. PersetujuZ_n Z_ntZ_{r pih}Z_k.

c. TerdZ_pZ_{t j}Z_ngkZ _wZ_{ktu tertentu d}Z_lZ_m

pelunZ_sZ_nnyZ

d. Resiko yZ_{ng h}Z_{rus dit}Z_{nggung semu}Z _pihZ_{k y}Z_ng

terkZ_it.

e. ImbZ_lZ_{n y}Z_{ng did}Z_pZ_t.

2.2.4.TujuZ_{n d}Z_{n Fungsi Kredit}

Menurut SunZ_{rti (2008:82) menjel}Z_skZ_{n tuju}Z_n

pemberiZ_{n kredit, seb}Z_gZ_{i berikut :}

a. Untuk mendZ_pZ_tkZ_{n h}Z_{sil y}Z_{ng tinggi d}Z_ri

pemberiZ_{n kredit.} b. KeZ_mZ_nZ_{n b}Z_{nk, y}Z_{kni ke}Z_mZ_nZ_{n untuk n}Z_sZ_bZ_h menyimpZ_{n u}Z_{ng. Kredit y}Z_{ng s}Z_feZ_kZ_n memberikZ_{n d}Z_mpZ_{k y}Z_{ng positif E}Z_{JL E}Z_QN VHKLQJJZ _NHSHUFZ_\ZZ_{Q P}Z_V\Z_UZ_NZ_{W MXJ}ZZ_NZ_Q EHUWZ_PEZ_K

Fungsi-fungsi kredit jugZ _dijelZ_skZ_{n Sun}Z_rti

(2008:83) yZ_{itu, seb}Z_gZ_{i berikut:}

a. .UHGLW GZ_SZ_{W PHQLQJN}Z_WNZ_{Q G}Z_\Z_JXQZ_GZ_{UL X}Z_QJ b. .UHGLW GZ_SZ_{W PHQLQJN}Z_WNZ_{Q G}Z_\Z _JXQZ _GZ_UL EZ_UZ_QJ c. .UHGLW GZ_SZ_{W PHQLQJN}Z_WNZ_{Q SHUHG}Z_UZ_{Q G}Z_{Q O}Z_OX OLQWZ_{V X}Z_QJ d. .UHGLWZ_GZ_OZ_{K V}Z_OZ_{K V}Z_WXZ_OZ_{W VW}Z_ELOLWZ_{V HNRQRPL} e. .UHGLW GZ_SZ_{W PHQLQJN}Z_WNZ_{Q VHP}Z_QJZ_{W P}Z_V\Z_UZ_NZ_W GZ_OZ_{P EHUZLU}Z_XVZ_KZ f. .UHGLW Z_GZ_OZ_{K MHPE}Z_WZ_{Q XQWXN PHQLQJN}Z_WNZ_Q SHQGZ_SZ_WZ_{Q HNRQRPL}

g. Kredit jugZ _sebZ_gZ_i Z_lZ_{t hubung}Z_{n ekonomi}

InternZ_sionZ_l.

2.2.5.Kredit PemilikZ_{n Rum}Z_h

Kredit PemilikZ_{n Rum}Z_{h (KPR) merup}Z_kZ_n

suZ_{tu f}Z_silitZ_{s kredit konsumtif y}Z_{ng dit}Z_wZ_rkZ_n

kepZ_dZ _nZ_sZ_bZ_{h b}Z_{nk y}Z_{ng ingin membeli} Z_tZ_u

memperbZ_{iki rum}Z_{h deng}Z_{n mel}Z_kukZ_{n pemb}Z_yZ_rZ_n

secZ_rZZ_ngsurZ_{n berd}Z_sZ_rkZ_{n bung}Z _dZ_{n j}Z_ngkZ _wZ_ktu

yZ_{ng tel}Z_{h disep}Z_kZ_{ti. Menurut Ibr}Z_{him (2004:229)}

menjelZ_skZ_{n b}Z_hwZ_{Kredit Pemilik}Z_{n Rum}Z_h Z_dZ_lZ_h

sZ_lZ_{h s}Z_{tu bentuk d}Z_{ri kredit konsumen y}Z_{ng diken}Z_l

dengZ_{n istil}Z_{h Housing Lo}Z_{n, pemberi}Z_{n kredit}

pemilikZ_{n rum}Z_{h merup}Z_kZ_{n sebu}Z_{h f}Z_silitZ_{s untuk}

konsumen yZ_{ng membutuhk}Z_{n temp}Z_{t tingg}Z_l

huniZ_{n, dim}Z_nZ _pemilikZ_nnyZ _dengZ_{n c}Z_rZ _kredit.

2.2.6.Prinsip PemberiZ_{n Kredit}

KegiZ_tZ_{n pinj}Z_m-meminjZ_m Z_tZ_{u kredit tid}Z_k

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semuZ _pihZ_{k y}Z_{ng bers}Z_ngkutZ_{n. N}Z_mun,

resiko-resiko tersebut dZ_pZ_{t dihind}Z_ri Z_tZ_{u diperkecil}

dengZ_{n melih}Z_{t sy}Z_rZ_t-syZ_rZ_t Z_tZ_{u kriteri}Z _penilZ_iZ_n

pemberiZ_{n kredit, menurut T}Z_swZ_{n (2010:310)d}Z_lZ_m

bukunyZ _yZ_{QJ EHUMXGXO ³0}Z_nZ_{jemen Perb}Z_nkZ_n

Konsep, Teknik &:_plikZ_{VL´ \}Z_{itu seb}Z_gZ_{i berikut :}

a. ChZ_rZ_cterZ_dZ_lZ_{h sif}Z_t Z_tZ_{u keprib}Z_diZ_n Z_tZ_u

tingkZ_{h l}Z_{ku seseor}Z_{ng G}Z_OZ_{P NHKLGXS}Z_{Q VHK}Z_UL

-KZ_ULQ\Z

b. CZ_pitZ_lZ_dZ_lZ_{h ber}Z_pZ _bZ_nyZ_{k mod}Z_{l kerj}Z _yZ_ng

dimiliki cZ_{lon n}Z_sZ_bZ_h.

c. CZ_pZ_cityZ_dZ_lZ_{h b}Z_gZ_imZ_nZ _{seluruh elemen}

perusZ_hZZ_{n d}Z_lZ_{m mengelol}Z _perusZ_hZZ_n

sehinggZ _{memperoleh l}Z_bZ_.

d. CollZ_terZ_lZ_dZ_lZ_h Z_gunZ_n Z_tZ_{u j}Z_minZ_{n y}Z_ng

diberikZ_{n pih}Z_{k debitur} Z_tZ_{u n}Z_sZ_bZ_h.

e. ConditionZ_dZ_lZ_{h berb}Z_gZ_{i kondisi y}Z_{ng d}Z_pZ_t

mempengZ_{UXKL SHUXV}Z_KZZ_{Q F}Z_{ORQ Q}Z_VZ_EZ_K

2.3. PengendZ_liZ_{n Intern Perkredit}Z_n 2.3.1.PengertiZ_{n Pengend}Z_liZ_{n Kredit}

PengendZ_liZ_{n kredit merup}Z_kZ_{n up}Z_yZ_-upZ_yZ

untuk menjZ_gZ _{kredit y}Z_{ng diberik}Z_{n tet}Z_{p l}Z_ncZ_r,

produktif, dZ_{n tid}Z_{k m}Z_{cet. /}Z_QFZ_{U G}Z_{Q SURGXNWLIQ\}Z

VXZ_{WX NUHGLW} Z_UWLQ\Z _{NUHGLW WHUVHEXW G}Z_SZ_{W GLW}Z_ULN

NHPEZ_{OL VHVX}Z_{L GHQJ}Z_{Q EXQJ}Z _\Z_{QJ GLWHW}Z_SNZ_{Q S}Z_GZ

SHUMZ_QMLZ_{Q \}Z_{QJ WHO}Z_{K GL VHWXMXi NHGX}Z _EHOZ_{K SLK}Z_N

KZ_{O LQL V}Z_QJZ_{W SHQWLQJ N}Z_UHQZ _MLNZ _{NUHGLW WHUVHEXW}

PZ_{FHW P}Z_NZZ_NZ_{Q PHUXJLN}Z_{Q SLK}Z_{N E}Z_{QN \}Z_QJ

EHUVZ_QJNXWZ_{Q. UntuN LWX G}Z_OZ_{P SHQ\}Z_OXUZ_{Q NUHGLW}

KZ_{UXV PHO}Z_NXNZ_{Q SULQVLSNHK}Z_WL-KZ_WLZ_{Q G}Z_{Q system}

SHQJHQGZ_OLZ_{Q \}Z_{QJ E}Z_{LN G}Z_{Q EHQ}Z_{U ´ +}Z_VLEXZ_Q,

2007:105).

2.3.2.TujuZ_{n Pengend}Z_liZ_{n Kredit}

DZ_lZ_{m pengend}Z_liZ_{n kredit y}Z_{ng dil}Z_kukZ_n

pihZ_{k b}Z_nk, Z_dZ_{pun tuju}Z_nnyZ _dilZ_kukZ_nnyZ

pengendZ_liZ_{n tersebut. Berikut tuju}Z_{n pengend}Z_liZ_n

kredit menurut HZ_sibuZ_{n (2007:105) y}Z_{kni :}

a. MenjZ_gZZ_gZ_{r kredit y}Z_{ng dis}Z_lurkZ_{n tet}Z_p Z_mZ_n.

b. MengetZ_hui Z_pZ_kZ_{h kredit y}Z_{ng dis}Z_lurkZ_{n itu}

lZ_ncZ_r Z_tZ_{u tid}Z_k.

c. MelZ_kukZ_{n tind}Z_kZ_{n penceg}Z_hZ_{n d}Z_n

penyelesZ_iZ_{n kredit m}Z_cet Z_tZ_{u kredit berm}Z_sZ_lZ_h.

d. MengevZ_luZ_si Z_pZ_kZ_{h prosedur peny}Z_lurZ_{n kredit}

yZ_{ng dil}Z_kukZ_{n tel}Z_{h b}Z_ik Z_tZ_{u m}Z_{sih perlu}

disempurnZ_kZ_n.

e. MemperbZ_{iki kes}Z_lZ_hZ_n-kesZ_lZ_hZ_{n k}Z_ryZ_wZ_n Z_nZ_{lisis kredit d}Z_{n mengus}Z_hZ_kZ_n Z_gZ_{r kes}Z_lZ_hZ_n

itu tidZ_{k terul}Z_{ng kemb}Z_li.

f. MengetZ_{hui posisi persent}Z_{se collect}Z_{bility credit} yZ_{ng dis}Z_lurkZ_{n b}Z_nk.

g. MeningkZ_tkZ_{n mor}Z_{l d}Z_{n t}Z_{nggung j}Z_wZ_b Z_nZ_lisis

kredit bZ_nk.+Z_VLEXZ_Q

2.3.3.Sistem dZ_{n Jenis-Jenis Pengend}Z_liZ_{n Kredit} Menurut HZ_sibuZ_{n (2007:105)} Z_dZ _beberZ_pZ

sistem dZ_lZ_{m mel}Z_ksZ_nZ_kZ_{n pengend}Z_liZ_{n kredit,} Z_ntZ_rZ _lZ_in Z_dZ_lZ_h:

a. InternZ_{l Control of Credit PHUXS}Z_NZ_{Q VLVWHP}

SHQJHQGZ_OLZ_{Q NUHGLW \}Z_{QJ GLO}Z_NXNZ_{Q ROHK}

NZ_U\Z_ZZ_{Q E}Z_{QN \}Z_{QJ EHUV}Z_QJNXWZ_Q

b. :_{udit Control of Credit, merup}Z_kZ_{n sistem}

pengendZ_liZ_n Z_tZ_{u peneliti}Z_{n m}Z_sZ_lZ_{h y}Z_ng

berkZ_itZ_{n deng}Z_{n pembuku}Z_{n kredit, y}Z_kni

kebenZ_rZ_{n pembuku}Z_{n kredit.}

c. ExternZ_{l Control of Credit, merup}Z_kZ_{n sistem}

pengendZ_liZ_{n kredit y}Z_{ng dil}Z_kukZ_{n oleh pih}Z_k

luZ_{r, b}Z_{ik B}Z_{nk Indonesi}Z _mZ_upun :_kuntZ_n

publik.

SedZ_ngkZ_{n jenis-jenis pengend}Z_liZ_{n menurut}

+Z_VLEXZ_{Q(2007:106)kredit terdiri d}Z_ri:

a. Preventive Control of Credit, Z_dZ_lZ_h

pengendZ_liZ_{n kredit y}Z_{ng dil}Z_kukZ_{n deng}Z_n

tindZ_kZ_{n penceg}Z_hZ_{n sebelum kredit tersebut}

mZ_cet.

b. Repressive Control of Credit, Z_dZ_lZ_h

pengendZ_liZ_{n kredit y}Z_{ng dil}Z_kukZ_{n mel}Z_lui

tindZ_kZ_{n pen}Z_gihZ_n/penyelesZ_iZ_{n setel}Z_{h kredit}

tersebut mZ_cet.

2.3.4.:_{spek Pengend}Z_liZ_{n Intern Kredit}

BeberZ_pZ _{pokok ut}Z_mZ _dZ_lZ_{m pengend}Z_liZ_n

kreditmenurut TZ_wZ_{f (1999:270) seb}Z_gZ_{i berikut :}

a. HZ_rus Z_dZ _{sistem pengend}Z_liZ_{n intern y}Z_{ng b}Z_ik

dZ_lZ_m Z_rti Z_dZ _pemisZ_hZ_{n fungsi} Z_ntZ_rZ _pejZ_bZ_t

yZ_{ng menyetujui kredit, y}Z_{ng mel}Z_kukZ_n

pembZ_yZ_rZ_{n kep}Z_dZ _{debitur, pen}Z_gihZ_n, Z_nZ_lisis, Z_dministrZ_{si kredit d}Z_{n t}Z_ksZ_si Z_gunZ_n.

b. HZ_rus Z_dZ _kebijZ_kZ_{n perkredit}Z_{n tertulis y}Z_ng

disetujui oleh direksi.

c. HZ_rus Z_dZZ_pZ_rZ_{t y}Z_{ng kompeten y}Z_ng Z_kZ_n

memproses kredit.

d. HZ_rus Z_dZ _{fungsi review terh}Z_dZ_{p kredit y}Z_ng

telZ_{h diberik}Z_{n d}Z_{n m}Z_nZ_{jemen h}Z_{rus sel}Z_lu

memZ_ntZ_{u pel}Z_ksZ_nZZ_{n review tersebut. (T}Z_wZ_f

,1999:270)

2.4. .UHGLW %HUPZ_VZ_OZ_K

2.4.1.PengertiZ_{n Kredit Berm}Z_sZ_lZ_h

Menurut Kuncoro dZ_{n Suh}Z_{rdjono (2002: 462)}

menjelZ_skZ_{n pengerti}Z_{n kredit berm}Z_sZ_lZ_h

(NonPerformZ_{ting Lo}Z_{n) merup}Z_kZ_{n su}Z_{tu ke}Z_dZZ_n

dimZ_nZ _nZ_sZ_bZ_{h sud}Z_{h tid}Z_{k s}Z_{nggup memb}Z_yZ_r

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seperti yZ_{ng tel}Z_{h dij}Z_njikZ_{n. D}Z_{n jik}Z _{debitur tid}Z_k

dZ_pZ_{t memb}Z_yZ_{r kemb}Z_{li pinj}Z_mZ_{n kredit y}Z_ng

diberikZ_n

2.4.2.Teknik PenyelesZ_iZ_{n Kredit}

SetiZ_{p b}Z_{nk p}Z_{sti meng}Z_lZ_{mi perm}Z_sZ_lZ_hZ_n

kredit mZ_{cet. D}Z_lZ_{m h}Z_{l ini b}Z_{nk dituntut untuk d}Z_pZ_t

menyelZ_mZ_tkZ_{n perm}Z_sZ_lZ_hZ_{n tersebut} Z_gZ_{r b}Z_nk

tidZ_{k meng}Z_lZ_{mi kerugi}Z_{n. Tind}Z_kZ_{n y}Z_{ng dil}Z_kukZ_n

dZ_lZ_{m penyel}Z_mZ_tZ_{n tersebut bi}Z_sZ_nyZ _seperti

keringZ_nZ_{n bung}Z_{, perp}Z_njZ_ngZ_{n j}Z_ngkZ _wZ_ktu

pembZ_yZ_rZ_n, Z_tZ_{u d}Z_pZ_{t jug}Z _dilZ_kukZ_{n penyit}ZZ_n

pZ_dZ _jZ_{minin y}Z_{ng diberik}Z_{n s}ZZ_{t mel}Z_kukZ_{n kredit.}

3. 0(72'( 3(1(/,7,:₁

Jenis penelitiZ_{n y}Z_{ng digun}Z_kZ_{n d}Z_lZ_m

penelitiZ_{n ini menggun}Z_kZ_{n pendek}Z_tZ_{n ku}Z_litZ_tif.

PenelitiZ_{n ini dil}Z_kukZ_{n p}Z_dZ _{PT. B}Z_{nk T}Z_bungZ_n

NegZ_rZ _{(Persero) k}Z_{ntor c}Z_bZ_{ng Kediri terlet}Z_{k di}

JZ_lZ_{n Diponegoro 22-24 Kediri, J}Z_wZ _Timur,

IndonesiZ_{. 6XPEHU G}Z_WZ _\Z_{QJ GLJXQ}Z_NZ_{Q G}Z_OZ_P

SHQHOLWLZ_{Q LQL} Z_GZ_OZ_{K G}Z_WZ _{SULPHU G}Z_{Q G}Z_WZ _VHNXQGHU

VHGZ_QJNZ_{Q Weknik pengumpul}Z_{n d}Z_tZ _pZ_dZ _penelitiZ_n

ini menggunZ_kZ_{n teknik pengumpul}Z_{n d}Z_tZ _dengZ_n

cZ_rZ _wZ_wZ_ncZ_rZ_{, d}Z_{n dokument}Z_{si. Instrumen}

SHQHOLWLZ_{Q S}Z_GZ _SHQHOLWLZ_{Q PHQJJXQ}Z_NZ_{Q SHGRP}Z_Q

ZZ_ZZ_QFZ_UZ _GZ_{Q SHGRP}Z_{Q GRNXPHQW}Z_{VL D}Z_lZ_m

penelitiZ_{n ini,} Z_QZ_{OLVLV G}Z_WZ_menggunZ_kZ_{n metode}

deskriptif kuZ_litZ_{tif dim}Z_nZ _penulis Z_kZ_n

mengurZ_ikZ_{n, mengg}Z_mbZ_rkZ_{n, menjel}Z_skZ_n

mengenZ_{i pengend}Z_liZ_{n pemberi}Z_{n Kredit Pemilik}Z_n

RumZ_{h (KPR) d}Z_lZ_{m us}Z_hZ _mengZ_ntisipZ_si

terjZ_dinyZ _{kredit berm}Z_sZ_lZ_{h p}Z_dZ _{PT. B}Z_nk

TZ_bungZ_{n Neg}Z_rZ _{(persero) Tbk. k}Z_{ntor c}Z_bZ_ng

Kediri. DengZ_{n demiki}Z_n Z_nZ_{lisis d}Z_tZ _merupZ_kZ_n

bZ_giZ_{n y}Z_{ng s}Z_ngZ_{t penting d}Z_lZ_{m peneliti}Z_{n, k}Z_renZ

dZ_lZ_{m mel}Z_kukZ_n Z_nZ_{lisis tersebut d}Z_pZ_t

memecZ_hkZ_{n seb}Z_giZ_n Z_tZ_{u seluruh m}Z_sZ_lZ_h

penelitiZ_n.

4. +:_{6,/ '}:_{1 3(0%}:₊:₆:₁

4.1. :_QZ_{OLVLV 3HO}Z_NVZ_QZZ_{Q 3HQJHQG}Z_OLZ_{Q 3HPEHUL}Z_Q

.UHGLW 3HPLOLNZ_{Q 5XP}Z_{K 37 %}Z_{QN 7}Z_EXQJZ_Q

1HJZ_UZ _{3HUVHUR 7EN .}Z_{QWRU &}Z_EZ_{QJ .HGLUL}

TZ_{bel 1.} :_nZ_{lisis Pel}Z_ksZ_nZZ_{n Pengend}Z_liZ_n

PemberiZ_{n Kredit Pemilik}Z_{n Rum}Z_h

:_{spek ±} :_spek Pengend ZliZn Proses Kredit SZZ_t Permohon Z_n SZZ_t :nZlisis SZZ_t PenZrikZn 6ZZ_WMonit oring 1.Personil yZ_ng kompete n dZ_n dZ_pZ_t dipercZ_y Z_. KZ_ryZ_wZ_n yZ_ng menZ_ngZ_ni permohonZ n kredit, memiliki kemZ_mpuZ n yZ_ng memZ_dZ_i dZ_lZ_m menZ_ngZ_ni kredit sertZ mZ_mpu memberikZ n penjelZ_sZ_n mengenZ_i syZ_rZ_t kredit, prosedur kredit, sertZ fZ_silitZ_s kredit dZ_n informZ si-informZ_si kredit. :_nZ_{lis kredit} ditunjuk berdZ_sZ_rkZ_n lZ_tZ_r belZ_kZ_ng pendidikZ_n, khususnyZ yZ_{ng pern}Z_h memiliki pengetZ_huZ_n dibidZ_ng Z_kuntZ_nsi Z_tZ_{u kredit} perbZ_nkZ_n. TZ_hZ_p penZ_rikZ_n kredit. fungsi pZ_dZ _tZ_hZ_{p ini} dilZ_kukZ_n oleh Unit TrZ_nsZ_ksi. Fungsi Unit TrZ_nsZ_ksi telZ_{h dipilih} berdZ_sZ_rkZ_n pengetZ_huZ_n tentZ_ng perjZ_njiZ_n kredit dZ_n jZ_minZ_n kredit. TZ_hZ_p monitoring Z_tZ_u pengZ_wZ_sZ_n kredit. pZ_dZ tZ_hZ_{p ini} monitoring kredit dilZ_kukZ_n oleh RelZ_tionshi p MZ_nZ_jemen t(RM). RM bertZ_nggun g jZ_wZ_b Z_tZ_s kredit dimulZ_i sZ_mpZ_i lunZ_s. 2.:_dZ_nyZ pemisZ_h Z_{n tug}Z_s. :_dZ_nyZ perZ_ngkZ_pZ n tugZ_s Z_tZ_u belum terdZ_pZ_t Z_dZ_nyZ pemisZ_hZ_n tugZ_s Z_ntZ_rZ perZ_ngkZ_pZ n tugZ_s yZ_ng dilZ_kukZ_n seorZ_ng RelZ_tionshi p MZ_nZ_jemen t (RM). PengendZ_liZ_n kredit sZZ_t Z_nZ_lisis kredit berjZ_lZ_n dengZ_{n b}Z_ik. KZ_renZZ_nZ_lisi s hZ_nyZ bertugZ_s untuk melZ_kukZ_n penilZ_iZ_n. PemisZ_hZ_n tugZ_{s tel}Z_h dilZ_kukZ_n sehinggZ telZ_h menunjukkZ_n bZ_hwZ pengendZ_liZ_n kredit pZ_dZ sZZ_t penZ_rikZ_n kredit telZ_h berjZ_lZ_n dengZ_{n b}Z_ik. :_dZ_nyZ perZ_ngkZ_pZ n tugZ_s Z_ntZ_rZ mengZ_wZ_si usZ_hZ nZ_sZ_bZ_h dengZ_n mengZ_wZ_si informZ_si lZ_porZ n-lZ_porZ_n keuZ_ngZ_n besertZ kondisi rekening nZ_sZ_bZ_h. SebZ_iknyZ yZ_ng melZ_kukZ_n pengZ_wZ_sZ n Z_tZ_skondisi rekening dZ_n lZ_porZ_n keuZ_ngZ_n nZ_sZ_bZ_h yZ_itu bZ_giZ_{n Unit} TrZ_nsZ_ksi yZ_ng bertZ_nggun g jZ_wZ_b Z_tZ_s trZ_nsZ_ksi penyZ_lurZ_n kredit.

Jurnal Administrasi Bisnis (JAB)|Vol. 49 No.1 Agustus 2017| administrasibisnis.studentjournal.ub.ac.id 44 3.Prosedur otorisZ_si yZ_ng tepZ_t. Prosedur otorisZ_si sudZ_h mendukung pelZ_ksZ_nZZ n pemberiZ_n kredit, kZ_renZ sudZ_h terjZ_di pengZ_wZ_sZ n gZ_ndZ yZ_ng dilZ_kukZ_n oleh pejZ_bZ_t yZ_ng mempunyZ_i tugZ_s berbedZ -bedZ_. KeputusZ_n kredit dZ_ri PimpinZ_n CZ_bZ_{ng y}Z_ng berZ_wZ_{l d}Z_ri hZ_sil proposZ_l yZ_{ng dibu}Z_t seorZ_ng :_nZ_lis Kredit, dZ_n rekomendZ_si dZ_{ri Kep}Z_lZ Unit Bisnis dZ_{n W}Z_kil KepZ_lZ CZ_bZ_ng BidZ_ng Bisnis. TZ_hZ_p penZ_rikZ_n kredit. prosedur otorisZ_si dilZ_kukZ_n oleh pejZ_bZ_t yZ_ng berwenZ_ng dZ_{n s}Z tu-sZ_tunyZ berhZ_k melZ_kukZ_n otorisZ_si dZ_lZ_m penZ_rikZ_n kredit nZ_sZ_bZ_h, otorisZ_si dilZ_kukZ_n oleh pimpinZ_n cZ_bZ_ng. BZ_giZ_n yZ_ng melZ_kukZ_n pengZ_wZ_sZ_n onsite dZ_n offsite Z_dZ_lZ_h bZ_giZ_{n y}Z_ng sZ_mZ_, dZ_lZ_m Z_rti mZ_sih terdZ_pZ_t perZ_ngkZ_pZ n tugZ_s. 4.Dokume n dZ_n cZ_tZ_tZ_n yZ_ng memZ_dZ i. BerkZ_s permohonZ n yZ_ng sudZ_h lengkZ_p diberi nomor registrZ_si sehinggZ mempermu dZ_{h d}Z_lZ_m penyimpZ_n Z_{n d}Z_n pencZ_irZ_nn yZ_. :_nZ_{lis Kredit} memberikZ_n proposZ_l kelZ_yZ_kZ_n kredit tersebut kepZ_dZ _pihZ_k KepZ_lZ _Unit Bisnis dZ_n WZ_{kil Kep}Z_lZ CZ_bZ_ngBidZ_n g Bisnisuntuk dimintZ_kZ_n rekomendZ_si, dZ_n kelengkZ_pZ n-kelengkZ_pZ_n perjZ_njiZ_n kredit dZ_n kelengkZ_pZ_n Z_tZ_{s leg}Z_litZ_s jZ_minZ_{n y}Z_ng Z_kZ_n digunZ_kZ_n sZZ_t pengZ_juZ_n kredittelZ_h dipersiZ_pkZ_n, sebelum melZ_kukZ_n perjZ_njiZ_{n d}Z_n Dokumen yZ_ng digunZ_kZ_n untuk monitoring kredit Z_dZ_lZ_h Z_ngsurZ_n nZ_sZ_bZ_h sertZ _dZ_tZ dZ_{ri reking} yZ_ngmenun jukkZ_n bZ_hwZ nZ_sZ_bZ_h tersebut terdZ_ftZ_r sebZ_gZ_i proses selZ_njutnyZ proposZ_l diberikZ_n kepZ_dZ PimpinZ_n CZ_bZ_ng untuk dimintZ_kZ_n persetujuZ_n. pengikZ_tZ_n Z_gunZ_{n kredit.} peminjZ_m dZ_{n d}Z_ftZ_r tunggZ_kZ_n kredit, sehinggZZ_p Z_bilZ _terjZ_di tunggZ_kZ_n Z_tZ_u mZ_sZ_lZ_h dZ_lZ_m Z_ngsurZ_n dZ_pZ_{t seger}Z di lZ_kukZ_n perbZ_ikZ_n. 5.Pemerik sZZ_n fisik Z_ktivZ dZ_n cZ_tZ_tZ_n. PengendZ_li Z_{n kredit} dZ_lZ_{m h}Z_l kontrol fisik Z_ktivZ dZ_{n c}Z_tZ_tZ_n untuk permohonZ n kredit telZ_h berjZ_lZ_n dengZ_n bZ_ik, kZ_renZ bZ_giZ_n RelZ_tionshi p MZ_nZ_jemen t(RM) melZ_kukZ_n kontrol fisik dZ_n :_nZ_{lis kredit} telZ_h melZ_kukZ_n penilZ_iZ_n Z_tZ_s kelZ_yZ_kZ_n kredit berdZ_sZ_rkZ_n lZ_porZ_{n On} The Spot dZ_ri seorZ_ngRelZ_t ionship MZ_nZ_jement (RM). SehinggZ pengendZ_liZ n mZ_nZ_jemen yZ_ng dilZ_kukZ_n telZ_h berjZ_lZ_n dengZ_{n b}Z_ik. RelZ_tionship MZ_nZ_jement (RM) untuk mengetZ_hui Z_pZ_kZ_h fZ_silitZ_{s y}Z_ng disZ_lurkZ_n PT. BZ_nk TZ_bungZ_n NegZ_rZ (Persero) Tbk. KZ_ntor CZ_bZ_ng Kediri digunZ_kZ_n dengZ_{n b}Z_ik dZ_n sebZ_gZ_imZ_nZ mestinyZ_. PengendZ_liZ n kredit telZ_h berjZ_lZ_n dengZ_n bZ_ik, kZ_renZ_On The Spot tidZ_{k h}Z_nyZ dilZ_kukZ_n dengZ_n mengunjun gi lokZ_si usZ_hZ _yZ_ng dimiliki nZ_{mun jug}Z melZ_kukZ_n cek pZ_dZ rekening debitor dZ_n dengZ_n melihZ_t Z_ktivZ dengZ_n Z_nZ_{lisis On} The Spot. lZ_porZ_n keuZ_ngZ_n dZ_{n file-file} kredit yZ_ng dimiliki oleh nZ_sZ_bZ_h. 6.Pemerik sZZ_n pekerjZZ n secZ_rZ indepen den.

PemeriksZZ_{n p}Z_dZ _{PT. B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk.} KZ_{ntor C}Z_bZ_{ng Kediri dil}Z_kukZ_{n oleh B}Z_dZ_{n Pemeriks}ZZ_n KeuZ_ngZ_{n (BPK) d}Z_n Z_{uditor independen. PT. B}Z_{nk T}Z_bungZ_n NegZ_rZ _{(Persero)Tbk. K}Z_{ntor C}Z_bZ_{ng Kediri memiliki c}Z_rZ pemeriksZZ_{n deng}Z_{n c}Z_rZZ_{udit intern b}Z_{nk y}Z_{ng dil}Z_kukZ_n setZ_{hun sek}Z_{li y}Z_{ng bertuju}Z_{n untuk meningk}Z_tkZ_n profesionZ_litZ_{s kerj}Z _kZ_ryZ_wZ_{n d}Z_lZ_{m seti}Z_{p b}Z_giZ_{n di} bidZ_ngkZ_{n d}Z_{n sesu}Z_{i deng}Z_{n tug}Z_{s y}Z_{ng diberik}Z_n.

Sumber : DZ_tZ _DiolZ_h

4.2. 5Z_{VLR 1RQ 3HUIRUPLQJ /R}Z_{Q 13/ S}Z_GZ ₃₇

%Z_{QN 7}Z_EXQJZ_{Q 1HJ}Z_UZ _{3HUVHUR 7EN .}Z_QWRU

&Z_EZ_{QJ .HGLUL}

TZ_{bel 2. Kredit Berm}Z_sZ_lZ_{h p}Z_dZ _{Kredit Pemilik}Z_n

RumZ_{h PT. B}Z_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk.}

KZ_{ntor C}Z_bZ_{ng Kediri Periode 31 Desember 2014 s/d}

31 Desember 2016 TingkZt Kolektibil itZs Kredit Periode 2014 2015 2016 Debit ur (org) Rp Debit ur (org) Rp Debit ur (org) Rp KurZng lZncZr 25 1.210.009. 104 18 1.470.810. 472 17 1.521.188. 768 DirZgukZn 30 1.585.894. 455 22 1.818.453. 051 21 1.702.885. 998 MZcet 47 3.275.807. 264 71 5.625.672. 288 54 4.395.979. 945 TotZ_{l 77425} 6.071.710. 823 7840 8.914.935. 811 8196 7.620.054. 711

Sumber : PT. BZ_{nk T}Z_bungZ_{n Neg}Z_rZ _{(Persero) Tbk.}

KZ_{ntor C}Z_bZ_{ng Kediri, 2017}

TZ_{bel 2. menjel}Z_skZ_{n d}Z_tZ _{kredit berm}Z_sZ_lZ_h

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kreditnyZ_{. Tungg}Z_kZ_{n kredit y}Z_{ng terj}Z_{di term}Z_suk

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dZ_lZ_{m kolektibilit}Z_{s kur}Z_{ng l}Z_ncZ_r.

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kolektibilitZ_{s m}Z_{cet meng}Z_lZ_{mi ken}Z_ikZ_{n p}Z_dZ _tZ_hun

2015 dZ_{n meng}Z_lZ_{mi penurun}Z_{n p}Z_dZ _tZ_hun

Jurnal Administrasi Bisnis (JAB)|Vol. 49 No.1 Agustus 2017| administrasibisnis.studentjournal.ub.ac.id

45

dilZ_kukZ_{n m}Z_nZ_{jemen perus}Z_hZZ_{n dil}Z_kukZ_{n deng}Z_n

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kredit.

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(Persero) Tbk. KZ_{ntor C}Z_bZ_{ng Kediri Periode 31}

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%HUGZ_VZ_UNZ_{Q W}Z_{EHO GL}Z_WZ_{V G}Z_SZ_{W GLOLK}Z_{W E}Z_KZZ

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NUHGLW 37 %Z_{QN 7}Z_EXQJZ_{Q 1HJ}Z_UZ _{3HUVHUR 7EN}

.Z_{QWRU &}Z_EZ_{QJ .HGLUL 3HULRGH Desember 2014 s/d}

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