Analysis Of Working Capital Credit Provision System And Handling Of Bad Credit (Case Study At PT. BPR Supra Artapersada Pelabuhan Ratu Branch)

Authors

  • Arip Prilian Wijaya Study Program Of Accounting, Faculty Of Economic, University Muhammadiyah Sukabumi
  • Tina Kartini Study Program Of Accounting, Faculty Of Economic, University Muhammadiyah Sukabumi
  • Idang Nurodin Study Program Of Accounting, Faculty Of Economic, University Muhammadiyah Sukabumi

DOI:

https://doi.org/10.37676/jmea.v3i2.528

Keywords:

Credit System, Credit Handling

Abstract

This study aims to analyze the working capital credit provision system and the handling of bad credit at PT. BPR Supra Artapersada Pelabuhan Ratu Branch. The data used includes qualitative data in the form of credit applications, credit guidelines, credit analysis, credit agreements, warning letters, and the organizational structure of PT. BPR Supra Artapersada Pelabuhan Ratu along with its job descriptions. Data collection techniques involve observation, interviews, and documentation, which are then analyzed using qualitative descriptive analysis. The results of this study indicate that the working capital credit provision system implemented at PT. BPR Supra Artapersada is generally good, with a structured procedure from credit application, credit analysis, approval, to disbursement. However, some aspects still require improvement to prevent bad credit. The handling of bad credit at PT. BPR Supra Artapersada is also quite comprehensive, including initial notifications, direct communication, field visits, issuing warning letters, and applying the 3R methods (Restructuring, Rescheduling, Reconditioning). However, there is a need to improve the mechanism for seizing collateral and to adjust the legal procedures applied.

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Published

2024-08-20

How to Cite

Wijaya, A. P., Kartini, T., & Nurodin, I. (2024). Analysis Of Working Capital Credit Provision System And Handling Of Bad Credit (Case Study At PT. BPR Supra Artapersada Pelabuhan Ratu Branch): . Journal of Management, Economic, and Accounting, 3(2), 489–506. https://doi.org/10.37676/jmea.v3i2.528

Issue

Vol. 3 No. 2 (2024): Juli-Desember

Section

Articles

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Copyright (c) 2024 Arip Prilian Wijaya, Tina Kartini, Idang Nurodin

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