Judul Skripsi : ANALYSIS OF THE DECREASE IN MORTGAGE OCCURRENCE OF NON PERFORMING LOANS (STUDY ON STATE SAVINGS BANK BRANCH IN MALANG)
Bidang Studi : Ekonomi
Penyusun : N/A
Penjelasan Skripsi :
The most beneficial devision in the business at State Savings Bank Branch in Malang is mortgage which gives a revenue of 75% out of 100%. Mortgage it self has large and stable asset and small liquidity. The purpose of this study is to describe the mortgage management application that is applied at PT BTN by describing the efforts in implementing the BTN to reduce the occurrence of non performing loans through an effective credit management.
The method used in this study is a qualitative descriptive, The date collection is of primary and secondary data, Through interview techniques and documentation. In analysis processing there are three stages; describing the mortgage management, credit management that is applied to analyze the BTN, and analyzing the efforts made by the management of mortgage loans to decrease loan problems by which credit collectibility of within BTN can be used to see to general issue
The result shows that management used in managing credit BTN is a credit management including credit namely planning, organizing, implementing and securing credit loan. On of the credit management efforts at BTN is mortgage loans extended to consumers, users with loan problem. The load problem it self can be solved throughout made the warning I, II ,and III, implement and direct billing to the customer. Also, strict selection of applicant of the mortgage with 5C with assessments analysis and recommendations from the planning, organizing, executing, and controlling. In farms of collectability point of view from 2007 to 2009 the mortgage decreased for such periods, such as in 2007 around to 24.40%, decreased in the year in 2008 wit to 13.80% and in 2009 with 8.37%.
ANALYSIS OF THE DECREASE IN MORTGAGE OCCURRENCE OF NON PERFORMING LOANS (STUDY ON STATE SAVINGS BANK BRANCH IN MALANG)
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