Analisis Risiko Kredit Macet Pada Pembiayaan Motor (Studi Kasus PT. X)

Hokoyoku, Gabriella Septidawati (2022) Analisis Risiko Kredit Macet Pada Pembiayaan Motor (Studi Kasus PT. X). S2 thesis, Universitas Kristen Indonesia.

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Abstract

Adanya Kemudahan dalam memperoleh pembiayaan sepeda motor dapat menyebabkan potensi risiko kredit macet yang cukup besar bagi perusahaan- perusahaan pembiayaan tidak terkecuali dengan PT. X . Berdasarkan data kantor pada 1 januari- 30 November 2021 PT. X mengeluarkan 889 unit motor kredit, dan 40 unit motor ditarik disebabkan karena tidak dapat membayar tagihan. Penelitian ini dilakukan untuk mengidentifikasikan kredit macet dan besaran risiko dari tiap tahapan kredit macet serta menentukan mitigasi atas risiko kredit macet. Metode pengumpulan data dilaksanakan melalui survei dengan angket dan wawancara.. Hasil penelitian menunjukan bahwa dalam analisis 5C dalam pemberian kredit yaitu chararcter,Capacity, Capital, Condition, Collateral. Dalam analisis 5 C terdapat 11 risiko dari kredit pembiyaan motor. Terdapat 3 risiko masuk dalam kategori Unacceptable, 1 risiko masuk dalam Issue dan 7 risiko masuk dalam kategori Supplementary Issue. 3 risiko tertinggi yang masuk dalam kategori Unacceptable yaitu: “Konsumen di PHK”, “Kebangkrutan beberapa perusahaan saat pandemic covid-19”, “Penjamin susah dihubungi/ pindah keluar kota” Risiko-risiko yang kategori unacceptable dan issue wajib segera diatasi sebagai upaya mengurangi risiko yang akan terus dialami oleh perusahaan. Mitigasi yang diterapkan dalam perusahaan terkait ”Konsumen yang di PHK adalah perusahaan melakukan restrukturisasi dan mengusahakan adanya asuransi penjamin pembiayaan, untuk menghindari kerugiaan. “Kebangkrutan beberapa perusahaan saat pandemic covid-19, mitigasinya adalah melakukan restrukturisasi dan juga asuransi dari perusahaan. “Penjamin susah dihubungi” mitigasinya memberikan waktu kepada peminjam untuk pembayaran .Dari penelitian dalam menghadapi persaingan perusahaan harus juga menciptakan kemudahan dalam proses pemberian kredit, dan juga untuk membuat perusahaan tetap stabil adalah dengan menerapkan adanya asuransi pada penjamin pembiayaan untuk menghindari kerugiaan jika terjadinya kredit macet. Kata kunci : Kredit Macet, Pembiayaan Motor, Risiko, PT. X./ The ease of obtaining motorcycle financing can lead to a large potential risk of bad credit for financing companies, including PT. X . Based on office data from January 1 to November 30, 2021 PT. X issued 889 motorcycle units on credit, and 40 motorcycle units were withdrawn due to not being able to pay bills. This study was conducted to identify bad loans and the risk magnitude of each stage of bad loans and determine the mitigation of bad credit risk. The method of data collection was carried out through surveys with questionnaires and interviews. The results showed that in the 5C analysis in providing credit, namely character, capacity, capital, condition, collateral. In the 5 C analysis, there are 11 risks from motorcycle financing loans. There are 3 risks in the Unacceptable category, 1 risk in the Issue and 7 risks in the Supplementary Issue category. The 3 highest risks that fall into the Unacceptable category are: "Consumers are laid off", "Bankruptcy of several companies during the covid-19 pandemic", "Guarantors are difficult to contact / move out of town" risks that will continue to be experienced by the company. Mitigation applied in related companies ”Consumers who are laid off are companies restructuring and seeking insurance guarantees for financing, to avoid losses. “The bankruptcy of several companies during the COVID-19 pandemic, the mitigation is to restructure and also insurance from the company. "Guarantors are difficult to contact" the mitigation is to give borrowers time for payments. From research in facing competition, companies must also create convenience in the credit granting process, and also to keep the company stable is to apply insurance to financing guarantors to avoid losses in the event of bad credit . Keywords: Bad Credit, Motorcycle Financing, Risk, PT. X

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