ANALISIS PENYELESAIAN KREDIT PT. KC PADA BANK ABC

Suwendra, Wayan (2002) ANALISIS PENYELESAIAN KREDIT PT. KC PADA BANK ABC. Masters thesis, Institut Pertanian Bogor.

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

Abstract

One of Bank institution earning obtained from interest revenue, so if such condition intermitting this process, Bank's revenue would be affected respectively. That's why Bank should increase their sensitivity toward signs and factors indicating loan becoming bad in term of credit quality itself. The people involved in monitoring this condition must have such ideas to maintain credit quality keep in track. Therefore, Bank ABC as institution who responsible with those kind of activities always ensuring their client not to become worsening. As indicated in PT. KC, once first sign of liquidity problem which directly seen on their repayment ability at the same time Bank ABC takes more effort how to solve those condition through restructuring program mechanism such as R3 (Rescheduling, Reconditioning, Restructuring), IBP (Interest Balloon Payment). Later on, facts proving that the restructuring program applied by Bank ABC doesn't match with expectation. The restructuring program failed. The purpose of this study is to analyze and find the best alternatives for solution. Secondly, how to minimize risk for Bank ABC due to facility already gave to PT. KC. Tools of analysis used were descriptive method by analyzing data through case study research. Quantitative data obtained in period 1997-2001 and also collateral data. The result of this research can be defined as follows : 1) Solution offered more to exit strategy support by financial aspect analysis, managerial aspect, collateral side also including internal and external factors consideration. 2) There two alternatives suggested which is restructuring program in line with loan recovery and asset liquidation. By using Net Present Value as analysis tool, this research come into conclusion to liquidate the collateralized asset kept by Bank ABC.

Item Type: Thesis (Masters)
Uncontrolled Keywords: Gagalnya Penyelamatan Kredit, Penyelesaian Kredit, Kredit Macet, Penjualan Asset, PT. KC, Exit Strategy, Kooperative, Restrukturisasi dalam Penyelesaian, Analisis Laporan Keuangan, Methode Net Present Value, Proyeksi Arus Kas, Company Guarantee, Studi Kasus, Borgtocht, BUPLN
Subjects: Manajemen Keuangan
Depositing User: Staff-3 Perpustakaan
Date Deposited: 31 Dec 2011 02:15
Last Modified: 31 Dec 2011 02:15
URI: http://repository.sb.ipb.ac.id/id/eprint/595

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