Analisis Sistem Pengawasan Pemberian Kredit Pada PT. Bank Sumut Cabang Utama Medan

Abstract

This research is conducted in order to find out the effectiveness of the controlling system in credit extension at PT. Bank Sumut Cabang Utama Medan and to find out whether the credit extension has been performed well in accordance with the credit matters of banking and the procedures of credit extension.

The sort of research performed by the writer is descriptive research; meaning that the data was gained by the writer from object of research and other literatures then explained them in detail to find out the problems of study and to find out the solutions. The sort of data used are primary data which was the outcome of interviews in form of question and answer with the credit side, and the secondary data was in the form of organization structure of a company, a brief history of a company and the list of credit collectability in the year of 2006-2010. the technique of data analysis is descriptive method.

From the objective of research, the writer may conclude that the operation of controlling system in credit extension at PT. Bank Sumut Cabang Utama Medan is quite effective. The credit controlling which was conducted by PT. Bank Sumut Cabang Utama Medan went into a increase from 2006 to 2008 which can looked from NPL ratio (Non Performing Loan) that is 4.09% per December 31, 2006 increase into 1,68% per December 31 2007 and still continued increase to 0.89% per December 31 2008. This case is appropriate for circular Indonesia Bank number SE No.6/23/DPNP date on May 31 2004 mentioned that the rate of NPL ratio is said to be good if it is less than 5%. The credit extension has been performed well in accordance with credit bank policy and the procedures of credit extension that is credit supplication step, credit analysis step and credit termination step.