PENGELOLAAN KREDIT MODAL KERJA PADA PT. BPR PADANG TARAB - Repositori Universitas Andalas

DAFTAR ISI

DAFTAR ISI ..................................................................................................... i
DAFTAR TABEL ............................................................................................. iv
DAFTAR GAMBAR ......................................................................................... v

BAB I

PENDAHULUAN
1.1

Latar Belakang ........................................................................... 1

1.2

Tujuan Pelaksanaan Magang ...................................................... 3

1.3

Manfaat Kegiatan Magang ......................................................... 4

1.4

Metode Penelitian ....................................................................... 4

1.5

Sistematis Penulisan ................................................................... 5

BAB II LANDASAN TEORI
2.1

Pengertian Bank ......................................................................... 7

2.2

Pengertian Kredit ...................................................... ................. 9

2.3

Unsur-unsur Kredit ..................................................................... 10

2.4

Tujuan Kredit ............................................................................. 11

2.5

Fungsi Kredit .............................................................................. 12

2.6

Jenis-jenis Kredit......................................................................... 14

2.7

Prinsip-prinsip Pemberian Kredit ................................................ 18

2.8

Jaminan Kredit ............................................................................ 23

2.9

Jenis-jenis Pembebanan Suku Bunga Kredit............................... 24

2.10 Penggolongan Kualitas Kredit .................................................... 25

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2.11 Resiko Kredit...............................................................................26

BAB III GAMBARAN UMUM
PT. BANK PERKREDITAN RAKYAT (BPR) PADANG TARAB
3.1

Sejarah Singkat Berdirinya PT. Bank Perkreditan Rakyat
Padang Tarab................................................................................29

3.2

Ruang Lingkup Usaha PT. BPR Padang Tarab .......................... 31

3.3

Tujuan PT. BPR Padang Tarab ................................................... 32

3.4

Visi dan Misi PT. BPR Padang Tarab ......................................... 32

3.5

Legalitas Usaha PT. BPR Padang Tarab ..................................... 33

3.6

Sarana Penunjang pada PT. BPR Padang Tarab ......................... 33

3.7

Produk-produk PT. BPR Padang Tarab ...................................... 33

3.8

Jalannya Kegiatan Magang ......................................................... 36

3.9

Struktur Organisasi pada PT. BPR Padang Tarab ....................... 37

BAB IV PENGELOLAAN KREDIT MODAL KERJA PADA
PT. BPR PADANG TARAB

4.1

Pengertian Kredit Modal Kerja pada PT. BPR Padang Tarab ... 43

4.2

Pengelolaan Kredit Modal Kerja oleh PT. BPR Padang Tarab . 43

4.2.1 Prosedur Pemberian Kredit Modal Kerja ........................... 45
4.2.2 Administrasi Kredit ............................................................ 57
4.2.3 Pembayaran Kredit Modal Kerja ....................................... 58
4.2.4 Kredit Modal Kerja yang Disalurkan
PT. BPR Padang Tarab ...................................................... 59

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4.2.5 Kelancaran Pengembalian Kredit Modal Kerja .................. 60
4.2.6 Pengawasan dan Pembinaan Nasabah ................................ 63
4.2.7 Pengendalian Kredit Bermasalah ....................................... 66

BAB V PENUTUP
5.1

Kesimpulan ................................................................................ 71

5.2

Saran ............................................................................................ 72

DAFTAR PUSTAKA ....................................................................................... 74

LAMPIRAN

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DAFTAR TABEL

Tabel 4.1 Kredit Modal Kerja yang Disalurkan ................................................. 59
Tabel 4.2 Data kelancaran pengembalian kredit ................................................. 61

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DAFTAR GAMBAR

Struktur Organisasi pada PT. BPR Padang Tarab ............................................... 37

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