ANALISIS SISTEM DAN PROSEDUR PEMBERIAN KREDIT MODAL KERJA PADA PD BPR BANK PASAR KOTA PONTIANAK

Wulandary B41111102

Abstract


The aims of this research were to reveal the system and procedure for granting Working Capital Credit, and the factors that caused bad debt at PD BPR Bank Pasar Pontianak.The research used a qualitative method with descriptive approach, a case study on system and procedure for granting Working Capital Credit at PD BPR Bank Pasar Pontianak. The analysis tools used in this study were organizational structure, internal control questionnaire, flowchart and compliance test. The samples were selected using purposive sampling so as to get the represented samples.The result of the research showed that the system and procedure for granting Working Capital Credit at PD BPR Bank Pasar Pontianak were implemented well; the organizational structure indicated that it had been done in accordance with the applicable rules; the ICQ analysis showed the percentage of 77.78% meaning that granting Working Capital Credit was good and effective; the flowchart analysis indicated that it had been done in accordance with the applicable rules; the compliance analysis test showed that 5 out of 23 samples made mistakes so the percentage generated was 78.27% which showed that the system and procedure for granting working capital Credit were good effective. However, mistake made should be minimized so as to be better in the future.

Keywords: Systems and Procedures, Working Capital Credit, People’s Credit Bank


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