ANALISIS PENGENDALIAN INTERN PROSEDUR PEMBERIAN KREDIT UNTUK MENINGKATKAN EFEKTIVITAS PADA PT BANK TABUNGAN NEGARA (PERSERO) PALEMBANG

EVAWIJAYANTI, NURLAILA and Nasai, M. and Komarawati, Dewi Rina (2008) ANALISIS PENGENDALIAN INTERN PROSEDUR PEMBERIAN KREDIT UNTUK MENINGKATKAN EFEKTIVITAS PADA PT BANK TABUNGAN NEGARA (PERSERO) PALEMBANG. Undergraduate thesis, Sriwijaya University.

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Abstract

The main purpose of this research are t o identify the internal control of procedure in giving credit at PT Bank Tabungan Negara (Persero) and t o measure the effectiveness of procedure in giving credit at that company. The result show that the internal control of procedure in giving credit at PT Bank Tabungan Negara (Persero) has been already ejfective. It can be shown from the application of internal control unsures which namely control environment, risk assessment, control activity, information & communication, and monitoring. Those unsures have already done to process the requesting of credit, when the requesting of credit, analyze of credit, and pullout of credit. But, there are some weaknesses that make the internal control of procedure in giving credit become uneffective. It is caused by double job. The officers who do the analysis of credit and the appraise of collateral are same officers. Beside that, meeting of comitte credit doesn 't do based on the policies of company. The meeting of credit comitte doesn 't do together but it is done by walking meeting. In order to improve the effectiveness of internal control of procedure in giving credit at PT Bank Tabungan Negara (Persero), the management of the firm should separated the tasks clearly, between the appraisal ojficer of collateral with account officer. Besides that, the meeting of credit comitte should do based on the policies of firm, which is done together.

Item Type:	Thesis (Undergraduate)
Uncontrolled Keywords:	Internal Control, Procedure in Giving Credit, Effectiveness
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 08:31
Last Modified:	17 Jan 2022 08:31
URI:	http://repository.unsri.ac.id/id/eprint/61240

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