Evaluasi Kelayakan Pemberian Kredit USAha Rakyat untuk Mencegah Terjadinya Kredit Bermasalah (Studi Kasus pada PT. Bank Rakyat Indonesia (Persero), Tbk. Cabang Kawi Malang)

摘要

People\u27s Business Credit Program is intended for owners of micro, small, and medium enterprises. Credit has a problem loan risk, so banks need to analyze the business condition of potential debtor before deciding to give a credit. The purpose of this research are to determine the implementation of People\u27s Business Credit that conducted by BRI Branch Kawi Malang and to determine the feasibility analysis of potential debtor as one of the efforts to prevent of non performing loan. The type of research that used in this research is descriptive with quantitative method. The results of this research indicate that the implementation of analysis conducted by BRI Branch Kawi Malang is quite good, but need to analyze more carefully and deeply. Besides the increase of non performing loans which happens to be alert to look out by the bank. Banks need to consider using 6C analysis, more complete analysis of financial ratios, and working capital credit needs analysis in accordance with the debtor\u27s business sector so that the results of the analysis becomes more complete. This requirements are conducted to avoid non performing loan that can be harmful and affect the health condition of the bank.