ANALISIS RISIKO KREDIT PROGRAM KEMITRAAN DAN BINA LINGKUNGAN PADA PT. PEGADAIAN (Persero) KANWIL I MEDAN

Nurlela Nurlela, Laelis Neni, Lily Karlina Nst, Dinda Maulana Hafiz

Abstract


ABSTRACT

 

Development in the economic sector is a goal to be achieved in implementing economic development programs, including the partnership program implemented by BUMN for small businesses. The Partnership and Community Development Program of PT Pegadaian (Persero) Kanwil I Medan is a manifestation of the company's Corporate Social Responsibility (CSR) in the field of social and community development, including encouraging the community of micro-entrepreneurs or foster partners to grow through soft interest loans. In providing credit, it cannot be separated from the risks that occur. This study aims to analyze the level of credit risk at PT Pegadaian (Persero) Regional Office I Medan from 2017 to 2019 by calculating the Non Performing Loan (NPL) Partnership Program for the PKBL Section of PT Pegadaian (Persero) Kanwil I Medan during 2017 to 2019. The types of data used in this study are primary data and secondary data, data sources are internal data, data collection techniques are field studies consisting of observation, interviews and documentation, while the data analysis method is descriptive quantitative. The results showed, based on credit recapitulation data obtained from the keila application, the results of the analysis of NPL calculations can be seen, namely from non-performing loans and total Partnership Program credit in 2017 of 6.8% which is quite good because of the high current credit score. In 2018 it was 12.2% and in 2019 27.1% had entered the unfavorable category or were included in credit under intensive supervision due to the high value of non-performing loans.

 

Keywords: Credit Risk, Partnership and Environmental Development Program, Non Performing Loan (NPL)

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References


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