Evaluasi Pengawasan Kredit Umum Pedesaan (Kupedes) Dalam USAha Mencegah Dan Mengatasi Terjadinya Kredit Macet (Studi Pada PT. Bank Rakyat Indonesia (Persero) Tbk. Kantor Cabang Jombang - Unit Veteran)

Abstract

On the credit activity, it is often found the credit risk so it needs monitoring to press the credit risk has problem. Credit which is very interesting for minor society on of them is Kupedes. This research has purposes: 1) To describe monitoring of Kupedes PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran in attempt to prevent bad Kupedes in order that NPL becomes better. 2) To describe attempt and action that do at PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran when there is bad Kupedes. 3) To describe the factors which cause the occurrence of bad credit on PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran. The research result shows that bad Kupedes at PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran in 2010, 2011, 2012 is not consistent. NPL in 2010 is high enough up to 4,28% in 2011 becoming better to be 2,29% but in 2012 increasing again to be 3,47%. This needs to get special interest in order that NPL of Kupedes PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran be better to show that performance of PT. BRI (Persero) Tbk. Kantor Cabang Jombang – Unit Veteran is better too