Analisis Kebijakan Atas Pemberian Kredit Modal Kerja Untuk Meningkatkan Profitabilitas Bank (Studi Pada Pd. Bank Perkreditan Rakyat Tugu Artha Malang Periode 2012-2014)

Abstract

The policy of granting Working Capital Credit (WCC) need to be considered by the management of banks because of potential problem loans. The purpose of this study was to determine the WCC policy in BPR Tugu Artha and the competence of BPR improving it\u27s profitability. This research uses descriptive research with case study approach. The data used is the credit policy guidelines for banks and financial statements of the balance sheet of Profit / Loss BPR Tugu Artha 2012-2014. The analytical method used is the analysis of the credit policy guidelines, financial statement analysis in the measurement of credit policy, and profitability analysis. Based on the results of research conducted at WCC BPR Tugu Artha shows that (1) WCC policy overall effective according to criteria that Bankable, investment policy, risk policies are set through a mechanism that is both quantitative and qualitative on business conditions, the spread of credit and interest rate setting.(2) WCC policy able to increase lending, but still not under control, so that is still encountered problem loans.(3) If WCC policy is done well, it can improve the profitability of banks, as long as the bank maintain its operational cost efficiency