Analisis penentuan struktur kredit petambak plasma udang windu pada pt. abc: Studi kasus pada bank x

Tohier, Mohammad (2004) Analisis penentuan struktur kredit petambak plasma udang windu pada pt. abc: Studi kasus pada bank x. Masters thesis, Institut Pertanian Bogor.

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Official URL: http://elibrary.mb.ipb.ac.id

Abstract

An Analysis of Loan Structure Defining to Plasma's Farmer of Black - Tiger Shrimp Farming Mohamad Tohier The purpose of this study was to define an optimum structure of loan (composition of financing, tenor, and installment payment scheme) to 9.033 plasma's farmers of Black - Tiger shrimp farming at PT ABC - an integrated partnership shrimp farming in Lampung Province. The other purpose of this study was also to define interest income for Bank X as a creditor of the project. The data were collected on the ponds site and compared it with the assumptions used by investment proposal submitted to the Bank. Capital budgeting theory, investment and sensitivity analysis were used to analyze the data. The results of the study showed that the project were feasible at the Bank's requirement (financing composition 80% of Bank sharing and 20% of self financing, in 5 years with roll over scheme of working capital loan). The project was also feasible at financing composition 80% to 100% : 20% to 0% in 5 to 8 years with both of roll over and installment payment scheme. The sensitivity analysis showed that the project was still feasible if either price of shrimp decrease or feed increase until 15%. The project was more sensitive towards decreasing of shrimp's price rather than increasing of feed's price. The optimum of farmer's financial condition (net present value, internal rate of return, profitability index, and pay back period) and interest income of the Bank achieved at the composition 100% : 0% in five years with installment payment scheme. This study suggested to Bank X to choose the composition of 80%: 20% in 5 years with installment payment if PT. ABC was not be a guarantor for farmer's loan. This study, also suggested to the Bank to review other aspects such as social, legal, the price of paddle wheel aerator, and the value of take over/refinancing.

Item Type: Thesis (Masters)
Subjects: Manajemen Keuangan
Depositing User: Library
Date Deposited: 24 Dec 2011 05:50
Last Modified: 24 Dec 2011 05:50
URI: http://repository.sb.ipb.ac.id/id/eprint/122

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