Analisa Efektifitas Prosedur Pemberian Kredit Pada PT.Bank Mandiri Tbk

Sylvester, Ricky (2010) Analisa Efektifitas Prosedur Pemberian Kredit Pada PT.Bank Mandiri Tbk. S1 thesis, Universitas Mercu Buana.

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Abstract

Abstract In the current era of globalization, the world banking system faces increasing competition. Especially with the entry of foreign banks, which enliven the banking sector in the State of Indonesia. Bankers increasingly in demand to be able to increase its competitiveness is by improving its assets among other things by increasing the loan portfolio. This research is in by lending procedures at PT Bank Mandiri Tbk has been effective and the system of internal control over procedures for granting credit to PT Bank Mandiri Tbk has been effective also adequate. The authors conducted research with descriptive method. this research aims to find out the procedures for granting credit to PT Bank Mandiri Tbk. And examine the effectiveness of systems and procedures for granting credit to PT Bank Mandiri Tbk. The results of this research are systems and procedures adopted by the PT. Bank Mandiri Tbk, in general is quite good accordance with the prevailing theory. Where there is clear separation of functions and responsibilities of each part in accordance with their duties. Thus, the absence of transactions conducted only by one part or one person who caused the crack to make corruption / manipulation of the system, before the debtor must obtain credit in advance through the stages of assessment ranging from: Submission of credit proposals and documents required , checks the authenticity of documents, analysis of credit until the credit disbursed.

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