Analisis Pemberian dan Pengawasan Kredit Modal Kerja Rekening Koran untuk Meminimalisir Kredit Bermasalah (Studi pada PT. Bank Jatim Cabang Bojonegoro Periode 2011 – 2013)

摘要

At the time of disrtibuting credit is often found a credit risk. The credit risk is often encountered is the emergence of Non Performing Loans. In order to reduce the credit crunch need for analysis of credit that covers analysis 5C, 7P and 3R and monitoring credit as preventive control of credit and repressive control of credit effectively. PT. Bank Jatim Cabang Bojonegoro is as working capital account for the year 2011 s / d in 2013 the number of Non Performing Loans has fluctuated, where in 2011 s / d in 2012 the value of the Non Performing Loans of 0.06% to 0.01% down to 0.05% and then in 2012 s / d in 2013 the value of the Non Performing Loans of 0.01% to 0.16% increases until 0 , 12%. From these data it can be seen that the PT. Bank Jatim Cabang Bojonegoro is a healthy bank because Non Performing Loans is still far below 5%. Therefore, the distributing and monitoring of credit made by the PT. Bank Jatim Cabang Bojonegoro should be increased up to the percentage of non performing loans can be approached and reached 0% because of the small percentage of non performing loans, therefore the assessment in bank\u27s health will be better.