ZAHRA, RATU INTAN (2019) ANALISIS EFEKTIVITAS PENGENDALIAN INTERNAL ATAS PROSEDUR PEMBERIAN KREDIT (Studi Kasus di PT Bank M Depok). S1 thesis, Universitas Mercu Buana Jakarta.
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Abstract
This study aims to determine the effectiveness of internal controls that support the procedures for granting credit at PT. Bank M Depok. Internal control can be considered effective and adequate if it includes the five components of internal control, namely the control environment, risk assessment, control activities, information and communication, and monitoring. The research method used is descriptive qualitative. Data collection techniques are carried out by means of literature, documentation, interviews and questionnaires by selecting one of the most suitable answers. Variables used are internal control with dimensions and indicators consisting of the five components of internal control, namely the control environment, risk assessment, control activities, information and communication and monitoring. The results of this study indicate the procedure for granting credit to PT. Bank M Depok goes through the stages of credit application, data investigation and analysis, duplicate checking, approval of credit applications, up to the disbursement of credit facilities. Internal control that supports the procedure for granting credit at PT. The overall Bank M Depok is considered to have been effective at 94.05% because it has fulfilled the five components of internal control, and has achieved internal control objective. Keywords: Internal control, control environment, risk assessment, control activities, information and communication, monitoring, granting credit. Penelitian ini bertujuan untuk mengetahui efektivitas pengendalian internal yang menunjang prosedur pemberian kredit di PT. Bank M Depok. Pengendalian internal dapat dinilai efektif dan memadai jika mencakup kelima komponen pengendalian internal, yaitu lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi, serta pengawasan (monitoring). Metode penelitian yang digunakan adalah deskriptif kualitatif. Teknik pengumpulan data dilakukan dengan cara, studi pustaka, dokumentasi, wawancara dan kuisioner dengan memilih salah satu jawaban yang paling sesuai. Variable yang digunakan yaitu pengendalian internal dengan dimensi dan indikator yang terdiri dari kelima komponen pengendalian internal yaitu lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi serta pengawasan (monitoring). Hasil penelitian ini menunjukkan prosedur pemberian kredit pada PT. Bank M Depok melalui tahap permohonan kredit, penyelidikan dan analisis data, duplicate checking, persetujuan permohonan kredit, hingga sampai pada pencairan fasilitas kredit. Pengendalian internal yang menunjang prosedur pemberian kredit di PT. Bank M Depok secara keseluruhan dinilai sudah efektif sebesar 94,05% karena telah memenuhi kelima komponen pengendalian internal, dan telah mencapai tujuan pengendalian internal. Kata kunci: Pengendalian internal, lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi, pengawasan, pemberian kredit
| Item Type: | Thesis (S1) |
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| Call Number CD: | FE/AK 18 623 |
| Call Number: | SE/32/18/465 |
| NIM/NIDN Creators: | 43216120260 |
| Uncontrolled Keywords: | Pengendalian internal, lingkungan pengendalian, penilaian risiko, aktivitas pengendalian, informasi dan komunikasi, pengawasan, pemberian kredit |
| Subjects: | 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian 300 Social Science/Ilmu-ilmu Sosial > 330 Economics/Ilmu Ekonomi > 334 Cooperative/Koperasi, Sistem Perkoperasian > 334.2 Banking and Credit Cooperatives/Koperasi Perbankan dan Kredit |
| Divisions: | Fakultas Ekonomi dan Bisnis > Akuntansi |
| Depositing User: | Dede Muksin Lubis |
| Date Deposited: | 11 Jan 2019 02:50 |
| Last Modified: | 12 Jan 2024 07:39 |
| URI: | http://repository.mercubuana.ac.id/id/eprint/46588 |
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