x ABSTRAK
ASMAUL HUSNA, 2022, Dampak Covid-19 terhadap Kredit perbankan (Studi Kasus pada Bank BTN Cabang Makassar)”. Skripsi, Program Studi Akuntansi, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Makassar. Dibimbing oleh Pembimbing I Ansyarif Khalid dan Pembimbing II Asriani Hasan.
Jenis penelitian ini merupakan penelitian kualitatif dengan metode deskriptif kualitatif yang bertujuan untuk mengetahui apakah terdapat dampak negatif dan positif covid-19 terhadap kredit pada Bank BTN Cabang Makassar.
Pengumpulan data dilakukan dengan cara wawancara (interview), observasi, dan dokumentasi. Dalam penelitian ini sumber data yang digunakan dalam pengumpulan data adalah data primer dan data sekunder.
Hasil penelitian ini menunjukkan bahwa: 1) dampak negatif covid-19 terhadap kredit pada Bank BTN Cabang Makasar yaitu; penurunan jumlah permohonan kredit, terbatasnya pemberian kredit, penurunan jumlah penyaluran kredit, terbatasnya penyuluhan lapangan, pengurangan jam kerja bagi karyawan, dan pemberian work from home bagi sebagian karyawan. 2) dampak positif covid-19 terhadap perkreditan di Bank BTN Cabang Makassar yaitu; Bank BTN Cabang Makassar semakin gencar dalam merencanakan dan memasarkan berbagai jenis kredit yang ada di Bank BTN dengan skema yang lebih ringan, pihak bank lebih selektif dalam hal pengawasan kepada siapa kredit diberikan selama masa pandemi, pemberian restrukturisasi kredit, dan pemberian relaksasi kredit seperti bantuan PEN (Percepatan Ekonomi Nasional) berupa subsidi bunga dan pembayaran pokok kepada debitur yang terdampak covid-19.
Kata kunci: Pandemi covid-19, Kredit.
xi ABSTRACT
ASMAUL HUSNA, 2022, Impact of Covid-19 on banking credit (Case Study at Bank BTN Makassar Branch)". Thesis, Accounting Study Program, Faculty of Economics and Business, University of Muhammadiyah Makassar. Supervised by Supervisor I Ansyarif Khalid and Supervisor II Asriani Hasan.
This type of research is a qualitative research with a qualitative descriptive method which aims to determine whether there are negative and positive impacts of covid-19 on credit at Bank BTN Makassar Branch. Data was collected by means of interviews (interviews), observation, and documentation. In this study the data sources used in data collection are primary data and secondary data.
The results of this study indicate that: 1) the negative impact of covid-19 on credit at Bank BTN Makassar Branch, namely; a decrease in the number of credit applications, limited lending, a decrease in the number of credit disbursements, limited field counseling, reduced working hours for employees, and provision of work from home for some employees. 2) the positive impact of covid-19 on credit at Bank BTN Makassar Branch, namely; Bank BTN Makassar Branch is increasingly aggressive in planning and marketing various types of credit at Bank BTN with a lighter scheme, the bank is more selective in terms of supervision to whom credit is given during the pandemic, granting credit restructuring, and providing credit relaxation such as PEN assistance. (Acceleration of the National Economy) in the form of interest subsidies and principal payments to debtors affected by covid-19.
Keywords: Covid-19 pandemic, Credit.
