Analisis Terhadap Penerapan Prinsip 7C dalam Pengambilan Keputusan Kredit di Masa Pandemi Covid 19 Pada PT. Bank Perkreditan Rakyat Naribi Perkasa Depok Jawa Barat

Sihotang, Putra Adi Pranata (2021) Analisis Terhadap Penerapan Prinsip 7C dalam Pengambilan Keputusan Kredit di Masa Pandemi Covid 19 Pada PT. Bank Perkreditan Rakyat Naribi Perkasa Depok Jawa Barat. D3 thesis, Universitas Kristen Indonesia.

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Abstract

Penerapan prinsip 7C dalam pemberian kredit sangat penting untuk dilakukan sebelum terjadinya pencairan kredit. Analisis kredit ini digunakan guna untuk meminimalisir terjadi nya kredit macet atau kredit bermasalah dimasa yang akan datang, apalagi dimasa pandemi covid 19 ini. Didalam penerapan analisis 7C di BPR Naribi Perkasa yang paling ditekan kan dalam masa pandemi ini yaitu Character dan Cash Flow. Masalah yang sering dihadapi oleh BPR sendiri pada masa pengajuan kredit yaitu tempat tinggal tidak menetap atau ngontrak, gaji tidak mencukupi dan masih banyak nya calon debitur yang mempunyai kredit di bank lain. Oleh karena itu didalam penelitian yang dilakukan di PT. BPR Naribi Perkasa dikantor pusat Depok untuk dapat mengetahui bagaimana penerapan 7C dalam mengambil keputusan kredit. Hasil dari penelitian ini menunjukan masih banyak nya calon debitur yang pengajuan nya diterima oleh BPR Naribi Perkasa. Analisis 7C sangat berpengaruh terhadap diterima dan ditolak nya kredit. Maka dari itu BPR Naribi Perkasa harus meningkatkkan kinerja dalam melakukan analisis 7C. Sehingga tidak menimbulkan kredit macet atau kredit bermasalah di kemudian hari. Kata kunci : Analisis Kredit 7C, Kredit. / The application of the 7C principle in lending is very important to do before the credit disbursement occurs. This credit analysis is used to minimize the occurrence of bad loans or non-performing loans in the future, especially during this COVID-19 pandemic. In the application of 7C, the most emphasized analysis during this pandemic is Character and Cash Flow. Problems faced by debtors during the credit application period are the residence is not fixed or rented, the salary is not sufficient, there are still credits at other banks. In research conducted at PT. BPR Naribi Perkasa at the Depok head office to find out how to apply 7C in making credit decisions. The results of this study indicate that there are still many prospective debtors whose submissions are accepted by BPR Naribi Perkasa. 7C analysis is very influential on the acceptance and rejection of credit. Therefore BPR Naribi Perkasa must improve performance in conducting 7C analysis. So that it does not cause bad credit or non-performing loans in the future. Key Words : Credit Analysis 7c, Credit

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