ANALISA KINERJA KEUANGAN UNTUK KEPUTUSAN PEMBERIAN KREDIT PADA BANK MANDIRI KCP BELAWAN

Authors

  • Hans Sebastian Sejahtera Siahaan Universitas Pembangunan Pancabudi, Medan
  • Ramadhan Harahap Universitas Pembangunan Pancabudi, Medan

DOI:

https://doi.org/10.59024/jise.v2i4.952

Keywords:

Financial Performance, Credit Granting Decisions, Debtors

Abstract

This research aims to determine the influence of Financial Performance Analysis on Credit Granting Decisions at Bank Mandiri KCP Belawan. This research uses a qualitative descriptive research method. Data collection techniques through observation, interviews and documentation. The results of this research are that the factors that can make a credit application accepted by the bank are (1) the debtor already has an official business license and NPWP, (2) the debtor must have 50% capital before applying for credit and the business is managed directly by the debtor himself. , (3) The debtor must be cooperative and open when asked about his efforts to arrange credit, (4) The debtor has never had a history of arrears in payments. (5) The debtor has never been involved in legal problems, (6) The value of the collateral provided by the debtor must be in accordance with the market price when applying for credit, (7) The established business has been running for approximately 1 year, (8) The business location is convenient accessible to local residents. If a business has no debt (current debt = 0), neither the current ratio nor the quick ratio can be calculated in the usual way and is considered undefined or infinite, then this shows that the business has a very strong liquidity condition because there are no liabilities. short term needs to be met.

References

Angraini, Ida Ayu. 2016. Analisis prosedur pemberian Kredit Pemilikan Rumah (KPR) sejahtera tapak studi kasus pada loan service PT. BTN Cabang Sukoharjo. (tidak di publikasikan).

Eriza, Antoni J. 2014. Prosedur Pemberian Kredit pada PT. Bank Pembangunan Daerah (BPD) Sumatera Barat. (tidak di publikasikan).

Fahmi Irham. (2018). Analisis Kinerja Keuangan. Bandung: Alfabeta.

Faramita, S. U., & Tanjung, M. S. (2019). Prosedur Pemberian Kredit Mikro (KREASI) pada PT. Pegadaian (Persero) Unit Pengelola Cabang Lubuk Buaya. Padang.

Hasibuan, Malayu S.P. 2008. Dasar-Dasar Perbankan. Bumi Aksara: Jakarta.

Isna, Ayu Anindya Putri. 2015. Analisis Kinerja Keuangan Dengan Pendekatan Value for Money Pada Pengadilan Tebing Tinggi. Jurnal Riset Akuntansi dan Bisnis. Vol 15, No. 1/ Maret 2015.

Kasmir. 2012. Bank dan Lembaga Keuangan lainya. Jakarta: PT Raja Grafindo.

Leden Marpaung, (2003). Tindak Pidana Terhadap Perbankan. Jakarta: Djambatan.

Muh Djumhana, Hukum Perbankan di Indonesia. (2003). Bandung: Citra Aditya Bakti.

Munawir (2010:31), “Analisis Laporan Keuangan” Edisi Keempat Cetakan Kedua belas, Liberty: Yogyakarta.

Ruddy Tri santoso, Mengenal Dunia Perbankan. (1996). Yogyakarta: Andi Offset.

Sawir. 2005. Analisis Kinerja Keuangan dan Perencanaan Keuangan. Jakarta: PT Gramedia Pustaka Utama.

Setianingsih, N. F. (2009). Evaluasi Sistem Akuntansi Pemberian Kredit Pada Perum Pegadaian Cabang Karanganyar. Surakarta.

Suyatno, Thomas, dkk. 2007. Dasardasar Perkreditan. Jakarta : PT Gramedia Pustaka Utama.

Downloads

Published

2024-10-04

How to Cite

Hans Sebastian Sejahtera Siahaan, & Ramadhan Harahap. (2024). ANALISA KINERJA KEUANGAN UNTUK KEPUTUSAN PEMBERIAN KREDIT PADA BANK MANDIRI KCP BELAWAN. JURNAL EKONOMI BISNIS DAN MANAJEMEN, 2(4), 110–119. https://doi.org/10.59024/jise.v2i4.952

Issue

Section

Articles

Similar Articles

<< < 2 3 4 5 6 7 

You may also start an advanced similarity search for this article.