Abstract,
Banks are not able to accommodate the credit needs of the
community, so that non-bank financial institutions offer credit solutions. The
problem faced by financial institutions is bad credit. This study aims to look
at the analysis of lending carried out at BFI Finance Indonesia, Tbk,
especially at the Banjarmasin branch in order to minimize the risk of bad
loans.
This research is a descriptive quantitative research conducted by
distributing questionnaires to selected customers.
The results of the study show that the procedure for providing credit
in the company is still weak, namely in the survey and analysis section it is
carried out by one Account Executive (AE), this can cause bad loans every
month. There is no separation of duties in the Account Executive (AE)
section, Account Executives (AE) can work simultaneously without having
each responsibility.
Keywords: Credit Analysis, Bad Loans, Financial Institutions
Abstrak,
Bank tidak dapat mencukupi kebutuhan kredit masyarakat, sehingga
Lembaga keuangan bukan bank meawarkan solusi kredit.Pemasalah yang di
hadapi oleh Lembaga keuangan adalah kredit macet. Penelitian ini bertujuan
melihat analisis pemberian kredit yang di lakukan pada BFI Finance
Indonesia, Tbk khususnya pada cabang Banjarmasin agar dapat
meminimalisir resiko kredit macet.
Penelitian ini merupakan penelitian kuantitatif dekriptif yang
dilakuakan dengan menyebarkan angket kapada customer terpilih.
Hasil penelitian menunjukan pada prosedur pemberian kredit di
perusahaan masih lemah, yaitu pada bagian survey dan analisis dikerjakan
oleh satu orang Account Executive (AE), hal ini dapat menyebabkan
timbulnya kredit macet tiap bulannya. Tidak adanya pemisahan tugas di bagian Account Executive (AE), Account Executive (AE) dapat mengerjakan
secara bersamaan tidak ada mempunyai tanggungjawab masing-masing.
Kata Kunci: Analisis Kredit, Kredit Macet, Lembaga Keuangan