EVALUASI ATAS EFEKTIVITAS PENGENDALIAN INTERNAL TERHADAP KUALITAS KREDIT PADA PT. BANK RAKYAT INDONESIA (BRI) TBK. CABANG KAYUAGUNG
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Institusion
Universitas Sriwijaya
Author
FAUZIAH, LIA SAFITRI
Mukhtaruddin, Mukhtaruddin
Mukhtaruddin, Mukhtaruddin
Subject
HJ9701-9940 Public accounting. Auditing
Datestamp
2020-04-27 06:43:33
Abstract :
The purpose of this research is to detennine and assess the effectiveness of internal controls over credit quality in the PT. Bank Rakyat Indonesia (BRI) Tbk Region Kayuagung. This is a descriptive research. The type of data used are secondary data. Data that used is the amount of credit that occurs in PT. Bank Rakyat Indonesia (BRI) Tbk region Kayuagung in 2008.2009 and 2010. Methods of data analysis is the method of analysis of qualitative case study approach (descriptive). The results showed that the effectiveness of internal controls over credit quality of BRI can be said not good enough. It can be seen from the results of analysis and observation of the authors. Where the results of the analysis indicate the internal control procedures in the provision of credit still has many problems such as: a convoluted process and the old and target customers who are less appropriate to the target. This has led to gridlock in the payment of credit (bad credit). Therefore to increase the effectiveness of internal control in credit there are some things to be done that is, the administration and credit analysts must make careful planning about potential borrowers, given the level of sanction that should be more stringent, and most importantly, all employees know the role and job description of each others.
The purpose of this research is to detennine and assess the effectiveness of internal controls over credit quality in the PT. Bank Rakyat Indonesia (BRI) Tbk Region Kayuagung. This is a descriptive research. The type of data used are secondary data. Data that used is the amount of credit that occurs in PT. Bank Rakyat Indonesia (BRI) Tbk region Kayuagung in 2008.2009 and 2010. Methods of data analysis is the method of analysis of qualitative case study approach (descriptive). The results showed that the effectiveness of internal controls over credit quality of BRI can be said not good enough. It can be seen from the results of analysis and observation of the authors. Where the results of the analysis indicate the internal control procedures in the provision of credit still has many problems such as: a convoluted process and the old and target customers who are less appropriate to the target. This has led to gridlock in the payment of credit (bad credit). Therefore to increase the effectiveness of internal control in credit there are some things to be done that is, the administration and credit analysts must make careful planning about potential borrowers, given the level of sanction that should be more stringent, and most importantly, all employees know the role and job description of each others.
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