FAKTOR – FAKTOR YANG MEMPENGARUHI STRATEGI PEMBERIAN KREDIT DAN DAMPAKNYA TERHADAP NON PERFOMING LOAN ( Studi Kasus pada Bank Perkreditan Rakyat di Propinsi Jawa Tengah )

Dewi, Chandra (2009) FAKTOR – FAKTOR YANG MEMPENGARUHI STRATEGI PEMBERIAN KREDIT DAN DAMPAKNYA TERHADAP NON PERFOMING LOAN ( Studi Kasus pada Bank Perkreditan Rakyat di Propinsi Jawa Tengah ). Masters thesis, program Pascasarjana Universitas Diponegoro.

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Abstract

Nilai Non Perfoming Loan (NPL) BPR di Jawa Tengah berada di atas Nilai NPL BPR di Indonesia, dimana nilai NPL sepanjang tahun 2007 di atas 10% dan merupakan propinsi dengan jumlah Kredit Tidak Lancar BPR terbesar di Indonesia. Oleh karena itu, perlu diteliti faktor-faktor yang mempengaruhi tingginya NPL Bank Perkreditan Rakyat (BPR) di Jawa Tengah terutama dari Stretegi Pemberian Kredit. Untuk melakukan analisis terhadap tujuan yang telah ditetapkan, data dikumpulkan dari 100 responden BPR di Propinsi Jawa Tengah dengan menggunakan kuesioner. Selanjutnya data yang terkumpul dianalisis dengan menggunakan analisis deskriptif melalui nilai indeks dan analisis inferensial dengan teknik Structural Equation Modeling (SEM). Hasil pengujian hipotesis yang dilakukan dengan teknik SEM menunjukkan bahwa kondisi internal BPR berpengaruh positif dan signifikan terhadap strategi pemberian kredit, kondisi debitur berpengaruh positif dan signifikan terhadap strategi pemberian kredit, kondisi lingkungan BPR berpengaruh positif dan signifikan terhadap strategi pemberian kredit, dan strategi pemberian kredit berpengaruh negatif dan signifikan terhadap NPL. Berdasarkan hasil pengujian hipotesis, maka terdapat beberapa implikasi manajerial yang dapat dilakukan berkaitan dengan penetapan strategi pemberian kredit untuk menekan/menurunkan NPL, yaitu mempertimbangkan faktor alam dalam strategi pemberian kredit di sektor pertanian, menganalisis kondisi ekonomi dan persaingan usaha saat ini dan melakukan forecasting / peramalan terhadap kondisi yang akan datang, melakukan pelatihan kepada AO untuk mempertajam analisis kredit, menjamin bahwa proses pengajuan dan pencairan kredit yang cepat dan mudah menyediakan berbagai alternatif pilihan bagi debitur untuk membayar kreditnya, menyediakan prosedur baku pemberian kredit, melakukan survey tempat usaha terhadap pengajuan kredit usaha, melihat dan menganalisis laporan keuangan dari usaha yang dijalankan oleh debitur, dan mencari informasi mengenai ada tidaknya ikatan antara debitur dengan lembaga keuangan yang lain, mengecek status usaha dan tempat tinggal debitur. The Non Performing Loan (NPL) of Consumer Loan Banks in Central Java is higher than the NPL of other Consumer Loan Banks in Indonesia, where the NPL reaches 10 % in 2007 and it puts at the top of the rank of banks with the highest NPL among other banks in Indonesian Provinces. Hence, it is necessary to analyze the factors affecting the NPL of those Consumer Loan Banks in Central Java, especially from the Loan Facility Strategy point of view. For the purpose of the analysis, data was collected from 100 respondents of Consumer Loan Banks in Central Java Province with questionnaires. Then the data was being analyzed using descriptive analysis through the index value and using the inferential analysis with Structural Equation Modeling (SEM) Method. The test of the hypotheses with SEM Method shows that the internal condition of the Consumer Loan Bank has a positive and significant effect on the Loan Facility Strategy, the borrower condition has a positive and significant effect on the Loan Facility Strategy, the environment condition has a positive and significant effect on the Loan Facility Strategy, and that the Loan Facility Strategy has a negative and significant effect on the NPL. Based on the result, some managerial implication can be suggested in relation to Loan Facility Strategy for decreasing the NPL, i.e.: they should consider the natural factors for the Loan Facility Strategy in agricultural sector; they should conduct some analysis on the current economy condition and the business competition situation and make the forecasting for the future condition; they should train the credit analysts to improve their credit analysis; they should assure the fast and easy loan appraisal process and credit granting process; they should provide some payment alternatives for the borrowers; they should have the standard for the Loan Facilities; they should survey the business place for the business loan appraisal; they should look over and analyze the financial statement of the borrower’s business and they should have the information about weather or not the borrower has obligations to or loan contracts with other financial institution; they should check the business status and the resident of the borrower.

Item Type:Thesis (Masters)
Subjects:H Social Sciences > HD Industries. Land use. Labor > HD28 Management. Industrial Management
Divisions:Postgraduate Program > Master Program in Management
ID Code:16894
Deposited By:Mr UPT Perpus 2
Deposited On:19 Jul 2010 08:17
Last Modified:19 Jul 2010 08:17

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