{"title":"The Analysis of Risk Level Effect on Credit Decision Making","authors":"Nurul Ilmi Hairullah, M. Sobarsyah, A. Aswan","doi":"10.26858/jekpend.v5i1.30931","DOIUrl":null,"url":null,"abstract":"The study aims to determine the risk level of credit decision making. The research is descriptive qualitative. The research is conducted in PT. Bank Rakyat Indonesia (Persero) Tbk. Makassar. Methods of collecting data uses library research method and field research method. The research data uses qualitative data obtained from the results of literature study. In addition to qualitative data, it is also used financial reports for three years. The results of this research indicated that to anticipate non-performing loans, the specifications of prospective debtors were carried out in each credit-granting process. In granting credit, the specifications for the prospective debtor must be carried out.","PeriodicalId":154299,"journal":{"name":"JEKPEND: Jurnal Ekonomi dan Pendidikan","volume":"69 1","pages":"0"},"PeriodicalIF":0.0000,"publicationDate":"2022-01-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"JEKPEND: Jurnal Ekonomi dan Pendidikan","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.26858/jekpend.v5i1.30931","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
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Abstract
The study aims to determine the risk level of credit decision making. The research is descriptive qualitative. The research is conducted in PT. Bank Rakyat Indonesia (Persero) Tbk. Makassar. Methods of collecting data uses library research method and field research method. The research data uses qualitative data obtained from the results of literature study. In addition to qualitative data, it is also used financial reports for three years. The results of this research indicated that to anticipate non-performing loans, the specifications of prospective debtors were carried out in each credit-granting process. In granting credit, the specifications for the prospective debtor must be carried out.
本研究旨在确定信贷决策的风险水平。该研究是描述性质的。研究是在PT. Bank Rakyat Indonesia (Persero) Tbk进行的。望加锡。收集资料的方法采用图书馆研究法和实地研究法。研究数据采用文献研究结果中获得的定性数据。除了定性数据外，它还使用了三年的财务报告。本研究结果表明，为了预测不良贷款，在每个授信过程中对潜在债务人进行了规范。在授予信贷时，必须执行对未来债务人的说明。
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