Analisis Aspek Kelayakan Pemberian Kredit USAha Mikro Dalam Upaya Mengantisipasi Terjadinya Kredit Bermasalah (Studi Kasus PT. Bank Mandiri (Persero), Tbk Cabang Malang)

Abstract

This study aims to determine the creditworthiness assessment aspects of micro enterprises (including legal aspects, marketing, technical aspects, aspects of management, financial aspects and aspects of collateral) in an effort to anticipate problems of credit at PT. Bank Mandiri (Persero) Tbk Branch Malang. This type of research is descriptive research with case study approach. There are two prospective customers are tested for feasibility, namely Light Sablon and Marsya Convection. The results of this study indicate that aspects of feasibility of providing Micro Credit covering legal aspects, marketing, technical aspects, aspects of management, financial aspects and aspects of the collateral has been used by PT. Bank Mandiri (Persero) Tbk Branch Malang as the basis of assessment for decision granting Micro Credit to two prospective customers that Light Sablon and Marsya Convection. From the analysis of aspects of the feasibility of micro-credit purchase, then Light Screen printing is more feasible for a given micro credit of the Regis Convection