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KREDIT PADA PT. BPR NGUTER SURAKARTA
TUGAS AKHIR
Diajukan Untuk Melengkapi Tugas
–
Tugas dan Persyaratan Guna
Mencapai Gelar Ahli Madya Program Diploma III Keuangan Perbankan
Fakultas Ekonomi Universitas Sebelas Maret Surakarta
Oleh:
ANGGA DONA KRISTIAWAN
F3608072
PROGRAM STUDI DIPLOMA III
KEUANGAN DAN PERBANKAN FAKULTAS EKONOMI
UNIVERSITAS SEBELAS MARET
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Tugas Akhir dengan judul :
ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT
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Tugas Akhir dengan judul :
ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT
PADA PT. BPR NGUTER SURAKARTA
Telah disahkan oleh Tim Penguji Tugas Akhir
Jurusan Diploma III Keuangan Perbankan
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“
Setiap proses ada pembelajaran, setiap pembelajaran ada tingkatan dan setiap
tingkatan tentu berbeda kesulitan
”
(Penulis)
“Jangan mengharapkan seorang pahlawan datang dengan
kekuatan untuk
membantumu, tapi berharaplah dengan kerja kerasmu kamu akan mendapatkan
kekuatan itu”
(Penulis)
“Sesungguhnya shalatku, ibadahku, matiku (semuanya) demi karena Allah
pemelihara seluruh alam”
(Q.S. Al-
An’
am : 162)
“Dan suatu riba
(tambahan) yang kamu berikan agar dai menambah pada harta
manusia, maka riba itu tidak menambah pada sisi Allah. Dan apa yang kamu
berikan berupa zakat yang kamu maksudkan untuk mencapai keridhaan Allah,
(maka yang berbuat demikian) orang-orang yang melipat gandakan (pahalanya)
”
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Tugas Akhir ini kupersembahkan kepada :
1.
Allah SWT yang memberikan rahmat dan
hidayah-Nya.
2.
Kedua orang tuaku dan nenekku tercinta, terima kasih
atas motivasinya, doa-doanya,kerja kerasnya dan yang
tidak pernah putus menyayangiku.
3.
Untuk tanteku dan adikku dan keluarga besarku yang
memberikan semangat.
4.
Teman-teman
yang
telah
membantu
dan
mendukungku.
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Assalamu’alaikum Wr.
Wb.
Berkat rahmat dan hidayah Allah SWT, akhirnya penulis dapat
menyelesaikan tugas akhir yang berjudul “ ARUS
PENYALURAN KREDIT
DAN PENGEMBALIAN KREDIT PADA PT. BPR NGUTER SURAKARTA.
Adapun maksud dan tujuan dari penyusunan tugas akhir ini adalah sebagai syarat
untuk meraih gelar Ahli Madya Progam Diploma III Keuangan Perbankan
Fakultas Ekonomi Universitas Sebelas Maret Surakarta.
Penulis menyadari bahwa tugas akhir ini tidak akan terwujud tanpa
bantuan dari berbagai pihak. Maka pada kesempatan ini tidak lupa penulis
menyampaikan rasa terima kasih yang tidak terhingga kepada :
1.
Drs. Wisnu Untoro, MS selaku Dekan Fakultas Ekonomi Universitas Sebelas
Maret Surakarta.
2.
Bapak Drs. Kresno Sarosa Pribadi, M.Si,selaku Ketua Jurusan Diploma III
Keuangan Perbankan Fakultas Ekonomi Universitas Sebelas Maret Surakarta.
3.
Ibu Dwi Prasetyani, SE, M.Si, selaku Dosen Pembimbing Akademik yang
telah memberikan arahan-arahan dengan baik.
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Surakarta, yang telah membekali penulis berbagai ilmu dan pengetahuan yang
sangat bermanfaat bagi penulis.
6.
Bapak Sri Dadi Wibowo, MM selaku Komisaris PT. BPR Nguter Surakarta
yang telah berkenan memberikan bantuan dalam mencarikan tempat magang
bagi kami serta membimbing kami pada saat magang kerja.
7.
Ibu Fransisca Permata Dewi, SE, MM dan Bapak Yusak Adi Nugroho, SE
selaku Direktur Utama dan Direktur PT. BPR Nguter Surakarta yang telah
memberikan ijin kepada kami untuk melakukan magang kerja dan penelitian
sebagai bahan penulisan Tugas Akhir ini.
8.
Mbak Nita, Mbak Tutik, Mbak Lely Mbak Fitri dan Mbak Nur yang
membimbingku dalam magang kerja di PT. BPR Nguter Surakarta.
9.
Pak Ruri, Pak Hani, Mas Suryo, Mas Refan, Mas Marno, Mas Agus, Mbak
Widya, Pak Min, Pak Wijaya dan seluruh Staff dan karyawan PT. BPR
Nguter Surakarta yang sudah mengajariku banyak hal tentang kredit dan
memberikan segala informasi yang diperlukan oleh penulis.
10.
Bapak Wiratno dan Ibu Sriyadi Syamsiah seluruh keluarga besar penulis yang
telah memberikan dukungan baik secara materiil, moril dan spritual.
11.
My Grandmother Ny. Darto Wiyono yang telah merawat dan membesarkan
penulis menjadi seperti sekarang ini.
12.
Teman-
teman KP’08 yang selalu
semangat dan memancarkan kebahagiaan.
13.
Kos Pak Khodir, Kos Bu Mamik, Warung Hick Pak Hono dan teman-teman
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penulis sebutkan satu persatu
Penulis menyadari bahwa tugas akhir ini masih banyak kekurangan karena
kekhilafan maupun keterbatasan pada penulis. Untuk itu, penulis mengharapkan
kritik dan saran dari berbagai pihak guna kesempurnaan tugas akhir ini. Penulis
berharap, semoga tugas akhir yang sederhana ini dapat bermanfaat bagi pembaca.
Wassalamu’alaikum Wr. Wb.
Surakarta, Mei 2011
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HALAMAN JUDUL ...
i
HALAMAN ABSTRAKSI ...
ii
HALAMAN PERSETUJUAN PEMBIMBING ...
iii
HALAMAN PENGESAHAN ...
iv
HALAMAN MOTTO ...
v
HALAMAN PERSEMBAHAN ...
vi
HALAMAN KATA PENGANTAR ...
vii
HALAMAN DAFTAR ISI ...
x
HALAMAN DAFTAR TABEL ...
xii
HALAMAN DAFTAR GAMBAR ... xiii
HALAMAN LAMPIRAN ... xiv
BAB I. PENDAHULUAN ...
1
A.
Latar Belakang Masalah ...
1
B.
Perumusan Masalah ...
3
C.
Tujuan Penelitian ...
3
D.
Manfaat Penelitian ...
4
E.
Metode Penelitian ...
5
BAB II. LANDASAN TEORI ...
7
A.
Bank
...
7
1. Pengertian Bank ...
7
2.
Fungsi Bank ...
7
3.
Jenis-jenis Bank ...
9
4.
Pengertian Bank Perkreditan Rakyat (BPR) ...
12
5.
Asas BPR ...
12
6.
Tujuan BPR ...
12
7.
Sasaran BPR ...
13
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1.
Pengertian Kredit ...
14
2.
Unsur-unsur Kredit ...
15
3. Tujuan Kredit ...
16
4. Fungsi Kredit ...
17
5. Jenis-jenis Kredit ...
19
6. Prinsip-prinsip Pemberian Kredit...
22
7. Prosedur Pemberian Kredit...
24
BAB III. PEMBAHASAN ...
26
A. Gambaran Umum Perusahaan ...
26
1.
Sejarah Berdirinya Perusahaan ...
26
2.
Kepemilikan Pemegang Saham ...
28
3.
Permodalan ...
28
4.
Perubahan Susunan Pengurus ...
29
5.
Produk dari PT. BPR Nguter Surakarta ...
32
6.
Struktur Organisasi dan Job Description ...
34
B.
Pembahasan ...
41
1. Arus Penyaluran Kredit dan Pengembalian Kredit...
41
2.
Hambatan Penyaluran dan Pengembalian Kredit...
54
BAB IV. PENUTUP ...
55
A.
Kesimpulan ...
55
B.
Saran
...
56
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Tabel 3.1 Nama dan Jumlah Pemegang Saham PT. BPR Nguter Surakarta .... 32
Tabel 3.2 Nama dan Jumlah Pemegang Saham Baru BPR Nguter Surakarta.. 35
Tabel 3.3 Laporan NPL bulanan PT. BPR Nguter Surakarta tahun 2008 ... 49
Tabel 3.4 Angsuran Bunga Menurun... 54
Tabel 3.5 Angsuran Bunga Flat... 55
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1.
Contoh Form Analisis Kredit
2.
Surat Kesanggupan Pembayaran Kredit
3.
Tanda Setor
4.
Tanda Terima Uang Pinjaman
5.
Slip Penarikan dan Slip Setoran
6.
Spesimen Tanda Tangan Nasabah
7.
Aplikasi Pembukaan Rekening Deposito/ Tabungan
8.
SID (Sistem Informasi Debitur)
9.
Kartu Pinjaman
10.
Disposisi Pencairan Kredit
11.
Surat Perjanjian Membuka Kredit
12.
Surat Penyerahan Hak Milik Secara Kepercayaan (Fidusia)
13.
Surat Pernyataan dan Penyerahan Kembali Barang Jaminan
14.
Surat Kuasa Untuk Menjual Barang Jaminan
15.
Surat Pernyataan
16.
Bukti Kas Masuk
17.
Nota Debet
18.
Nota Kredit
19.
Tanda Terima Uang Pinjaman
20.
Penilaian Magang
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