Analisis Penerapan Prinsip 5C dalam Prosedur Pemberian Kredit KPR BTN Platinum pada PT. Bank Tabungan Negara (Persero) Tbk. Kantor Cabang Slamet Riyadi Surakarta

Wibawa, Annisa Rachmawati (2017) Analisis Penerapan Prinsip 5C dalam Prosedur Pemberian Kredit KPR BTN Platinum pada PT. Bank Tabungan Negara (Persero) Tbk. Kantor Cabang Slamet Riyadi Surakarta. Other thesis, Universitas Sebelas Maret.

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    Abstract

    THE ANALYSIS ON THE 5C PRINCIPLES IN LOAN PROVIDING PROCEDURE IN KPR BTN PLANTINUM LOAN IN PT. BANK TABUNGAN NEGARA (PERSERO) TBK OF SLAMET RIYADI SURAKARTA BRANCH OFFICE ANNISA RACHMAWATI WIBAWA F3614017 The objective of research was to find out whether in PT. Bank Tabungan Negara (Persero) Tbk of Slamet Riyadi Surakarta Branch Office has applied the 5C principles well in loan providing procedure of KPR BTN Platinum and to find out the constraints the PT. Bank Tabungan Negara (Persero) Tbk of Slamet Riyadi Surakarta Branch Office encounters. The research method used was descriptive analysis. The type of data used in this research was qualitative data in the form of general description presented in the words containing the meaning. The data used in this research consisted of primary and secondary ones. Primary data was obtained from direct interview. Secondary data was obtained from library study and other written source. The conclusion of research was that PT. Bank Tabungan Negara (Persero) Tbk of Slamet Riyadi Surakarta Branch Office has implemented well the 5C (character, capacity, capital, collateral, condition of economy) principles in the loan providing procedure of KPR BTN Platinum. The development of loan realization for KPR BTN Platinum, although still left behind other public banks in Surakarta, can wake up again by improving the realization of its KPR loan providing during 2015-2016. Considering the conclusion of research, the recommendation given was that PT. Bank Tabungan Negara (Persero) Tbk of Slamet Riyadi Surakarta Branch Office should pay more attention to and undertake the process of applying 5C principles more carefully and thoroughly in order to prevent non-performing loan from occurring. In applying this 5C principle, BTN should involve other parties rather than potential debtor only. Thus, it can obtain actual information on potential debtor. BTN is also expected to market the product of KPR BTN Platinum more intensely so that Bank BTN will be competitive with other State-Owned Enterprise banks in Surakarta. Keywords: KPR BTN Platinum, 5C principle application.

    Item Type: Thesis (Other)
    Subjects: H Social Sciences > HG Finance
    Divisions: Fakultas Ekonomi > D3 - Keuangan Perbankan
    Depositing User: Arief Atmojo
    Date Deposited: 12 Oct 2017 11:13
    Last Modified: 12 Oct 2017 11:13
    URI: https://eprints.uns.ac.id/id/eprint/34857

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