AUDIT OPERASIONAL ATAS EFEKTIVITAS PENYALURAN KREDIT PADA PT BANK RAKYAT INDONESIA (BRI) UNIT KEBUN BUNGA PALEMBANG

DWIJAYANTI, WIDYA and Saftiana, Yulia and Komarawati, Dewi Rina (2011) AUDIT OPERASIONAL ATAS EFEKTIVITAS PENYALURAN KREDIT PADA PT BANK RAKYAT INDONESIA (BRI) UNIT KEBUN BUNGA PALEMBANG. Undergraduate thesis, Sriwijaya University.

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Abstract

This research was conducted at PT Bank Rakyat Indonesia (BRI) unit Kebun Bunga Palembang. This study aims to find out how the Standard Operating Procedures (SOPs) relating to the implementation of credit called Kupedes at PT BRI unit Kebun Bunga Palembang as well as to determine whetner the implementation of Kupedes at PT BRI unit Kebun Bunga Palembang has been carried out effectively and in accordance with established procedure. In this research, the operational audit of the effectiveness of Kupedes at PT Bank Rakyat Indonesia (BRI) unit Kebun Bunga Palembang, which is divided into 5 (five) stages of the audit there are the examination preparatory stages, testing stages of management control, further investigation stage, the stages of reporting, and follow-up stages of examination results. Based on the stages of the audit, the author found some findings that the first is the addition of activity by the bank officials that should not be necessary. This is becausc of small entrepreneurs who apply for credit do not submit financial statements of the company for 3 (three) the last period as a condition necessary to apply for credit so that financial statements made by bank officials. The second fmding is the limited human rcsources that exist, in this case the bank officers who serve the banking aetivities which is not comparable with the volume of work to be done. The third fmding is difficulty to perform credit analysis in monitoring the customefs business. It is because of the lack of supervision and guidance conducted on that credit. The fouth finding is data of BI checking is not accurate which is give the wrong information of customer who apply for credit. In this case the data of BI checking of customcrs who apply for credit in Bank BRI unit is not in accordance with the actual conditions. And the latest findings is the increases in non performing loans that is significantly through People's Business Credit which is given as one of the programs held by the govemment coopcration with Bank BRI and other banks. From the findings that mention before, the authors provide several recommendations that are expccted to provide results and better benefits for PT Bank Rakyat Indonesia (BRI) unit Kebun Bunga Palembang.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Operational Audit, Effectiveness. Kupedes
Subjects:	H Social Sciences > HG Finance > HG1641-1643 Bank loans. Bank credit. Commercial loans
Divisions:	01-Faculty of Economics > 62201-Accounting (S1)
Depositing User:	Mr. Muhammad Irwan
Date Deposited:	17 Jan 2022 08:24
Last Modified:	17 Jan 2022 08:24
URI:	http://repository.unsri.ac.id/id/eprint/61195

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