KELAYAKAN KREDIT DAN PENETAPAN PLAFON KREDIT MODAL KERJA CALON DEBITUR UMKM DI PT. BANK PEMBANGUNAN DAERAH NUSA TENGGARA TIMUR

Abstract

Working Capital Loan is one of the products the bank earning credits given to the public, especially for MSMEs. Bank NTT as a regional Bank in East Nusa Tenggara distributes working capital loans to its customers through a detailed analysis process. The purpose of the study is to examine how the Bank methods to assess the credit worthiness and the determination of the amount of credit limit for prospective borrowers, especially MSMEs and settlement of non-performing loan (NPL) at Bank NTT. This research uses descriptive qualitative method. The results of research conducted by interview, observing, and study the relevant documents at the bank shows that the assessment of the credit worthiness of the bank has been fully implemented in accordance with the method of evaluation of credit worthiness in general, in addition the bank also has a special method in the assessment of credit. The method used is fully set forth in the memorandum of the analysis so that the results will be more accurate assessment, effective, and thorough, so detailed is seen from the information obtained to analyze prospective borrowers who apply for a working capital loan and the non-performing loan (NPL) solve is whether by credit management, credit transfer, credit coaching, credit rescue, credit settlement, or by remove book and remove receivable. Suggestion for the management of the bank and credit system which has been well maintained is order to be able maintain and improve the performance and credit quality.