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ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT PADA PT. BPR NGUTER SURAKARTA
TUGAS AKHIR Diajukan Untuk Melengkapi Tugas – Tugas dan Persyaratan Guna Mencapai Gelar Ahli Madya Program Diploma III Keuangan Perbankan Fakultas Ekonomi Universitas Sebelas Maret Surakarta
Oleh: ANGGA DONA KRISTIAWAN F3608072
PROGRAM STUDI DIPLOMA III KEUANGAN DAN PERBANKAN FAKULTAS EKONOMI UNIVERSITAS SEBELAS MARET SURAKARTA 2011 commit to user i
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HALAMAN PERSETUJUAN
Tugas Akhir dengan judul : ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT PADA PT. BPR NGUTER SURAKARTA
commit to user ii
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HALAMAN PENGESAHAN Tugas Akhir dengan judul : ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT PADA PT. BPR NGUTER SURAKARTA
Telah disahkan oleh Tim Penguji Tugas Akhir Jurusan Diploma III Keuangan Perbankan Fakultas Ekonomi Universitas Sebelas Maret Surakarta
commit to user iii
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MOTTO
“Setiap proses ada pembelajaran, setiap pembelajaran ada tingkatan dan setiap tingkatan tentu berbeda kesulitan” (Penulis) “Jangan mengharapkan seorang pahlawan datang dengan kekuatan untuk membantumu, tapi berharaplah dengan kerja kerasmu kamu akan mendapatkan kekuatan itu” (Penulis) “Sesungguhnya shalatku, ibadahku, matiku (semuanya) demi karena Allah pemelihara seluruh alam” (Q.S. Al-An’am : 162) “Dan suatu riba (tambahan) yang kamu berikan agar dai menambah pada harta manusia, maka riba itu tidak menambah pada sisi Allah. Dan apa yang kamu berikan berupa zakat yang kamu maksudkan untuk mencapai keridhaan Allah, (maka yang berbuat demikian) orang-orang yang melipat gandakan (pahalanya)” (Q.S. Ar Ruum : 39)
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PERSEMBAHAN
Tugas Akhir ini kupersembahkan kepada : 1.
Allah SWT yang memberikan rahmat dan hidayahNya.
2.
Kedua orang tuaku dan nenekku tercinta, terima kasih atas motivasinya, doa-doanya,kerja kerasnya dan yang tidak pernah putus menyayangiku.
3.
Untuk tanteku dan adikku dan keluarga besarku yang memberikan semangat.
4.
Teman-teman
yang
telah
membantu
mendukungku. 5.
Teman-temanku Keuangan dan Perbankan
6.
Almamaterku. commit to user v
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KATA PENGANTAR
Assalamu’alaikum Wr. Wb. Berkat rahmat dan hidayah Allah SWT, akhirnya penulis dapat menyelesaikan tugas akhir yang berjudul “ ARUS PENYALURAN KREDIT DAN PENGEMBALIAN KREDIT PADA PT. BPR NGUTER SURAKARTA. Adapun maksud dan tujuan dari penyusunan tugas akhir ini adalah sebagai syarat untuk meraih gelar Ahli Madya Progam Diploma III Keuangan Perbankan Fakultas Ekonomi Universitas Sebelas Maret Surakarta. Penulis menyadari bahwa tugas akhir ini tidak akan terwujud tanpa bantuan dari berbagai pihak. Maka pada kesempatan ini tidak lupa penulis menyampaikan rasa terima kasih yang tidak terhingga kepada : 1.
Drs. Wisnu Untoro, MS selaku Dekan Fakultas Ekonomi Universitas Sebelas Maret Surakarta.
2.
Bapak Drs. Kresno Sarosa Pribadi, M.Si,selaku Ketua Jurusan Diploma III Keuangan Perbankan Fakultas Ekonomi Universitas Sebelas Maret Surakarta.
3.
Ibu Dwi Prasetyani, SE, M.Si, selaku Dosen Pembimbing Akademik yang telah memberikan arahan-arahan dengan baik.
4.
Bapak Drs. Kresno Sarosa Pribadi, M.Si, selaku Dosen Pembimbing magang dan Tugas akhir atas bimbingan, kesabaran, dan memberikan arahan-arahan dengan baik. commit to user vi
perpustakaan.uns.ac.id
5.
digilib.uns.ac.id
Para Dosen dan Staf Pengajar di Fakultas Ekonomi Universitas Sebelas Maret Surakarta, yang telah membekali penulis berbagai ilmu dan pengetahuan yang sangat bermanfaat bagi penulis.
6.
Bapak Sri Dadi Wibowo, MM selaku Komisaris PT. BPR Nguter Surakarta yang telah berkenan memberikan bantuan dalam mencarikan tempat magang bagi kami serta membimbing kami pada saat magang kerja.
7.
Ibu Fransisca Permata Dewi, SE, MM dan Bapak Yusak Adi Nugroho, SE selaku Direktur Utama dan Direktur PT. BPR Nguter Surakarta yang telah memberikan ijin kepada kami untuk melakukan magang kerja dan penelitian sebagai bahan penulisan Tugas Akhir ini.
8.
Mbak Nita, Mbak Tutik, Mbak Lely Mbak Fitri dan Mbak Nur yang membimbingku dalam magang kerja di PT. BPR Nguter Surakarta.
9.
Pak Ruri, Pak Hani, Mas Suryo, Mas Refan, Mas Marno, Mas Agus, Mbak Widya, Pak Min, Pak Wijaya dan seluruh Staff dan karyawan PT. BPR Nguter Surakarta yang sudah mengajariku banyak hal tentang kredit dan memberikan segala informasi yang diperlukan oleh penulis.
10. Bapak Wiratno dan Ibu Sriyadi Syamsiah seluruh keluarga besar penulis yang telah memberikan dukungan baik secara materiil, moril dan spritual. 11. My Grandmother Ny. Darto Wiyono yang telah merawat dan membesarkan penulis menjadi seperti sekarang ini. 12. Teman-teman KP’08 yang selalu semangat dan memancarkan kebahagiaan. 13. Kos Pak Khodir, Kos Bu Mamik, Warung Hick Pak Hono dan teman-teman kos yang selalu mendukung penulis dalam pembuatan Tugas Akhir. commit to user vii
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14. Semua pihak yang mendukung dan mendoakan penulis yang tidak dapat penulis sebutkan satu persatu Penulis menyadari bahwa tugas akhir ini masih banyak kekurangan karena kekhilafan maupun keterbatasan pada penulis. Untuk itu, penulis mengharapkan kritik dan saran dari berbagai pihak guna kesempurnaan tugas akhir ini. Penulis berharap, semoga tugas akhir yang sederhana ini dapat bermanfaat bagi pembaca. Wassalamu’alaikum Wr. Wb. Surakarta,
Penulis
commit to user viii
Mei 2011
perpustakaan.uns.ac.id
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DAFTAR ISI HALAMAN JUDUL........................................................................................
i
HALAMAN ABSTRAKSI .............................................................................
ii
HALAMAN PERSETUJUAN PEMBIMBING ..............................................
iii
HALAMAN PENGESAHAN .........................................................................
iv
HALAMAN MOTTO .....................................................................................
v
HALAMAN PERSEMBAHAN .....................................................................
vi
HALAMAN KATA PENGANTAR ...............................................................
vii
HALAMAN DAFTAR ISI .............................................................................
x
HALAMAN DAFTAR TABEL .....................................................................
xii
HALAMAN DAFTAR GAMBAR .................................................................
xiii
HALAMAN LAMPIRAN ..............................................................................
xiv
BAB I.
PENDAHULUAN ..........................................................................
1
A. Latar Belakang Masalah ............................................................
1
B. Perumusan Masalah ..................................................................
3
C. Tujuan Penelitian ......................................................................
3
D. Manfaat Penelitian ....................................................................
4
E. Metode Penelitian .....................................................................
5
BAB II. LANDASAN TEORI ......................................................................
7
A. Bank
.............................................................
7
1. Pengertian Bank....................................................................
7
2. Fungsi Bank ........................................................................
7
3. Jenis-jenis Bank .................................................................
9
4. Pengertian Bank Perkreditan Rakyat (BPR) ......................
12
5. Asas BPR ...........................................................................
12
6. Tujuan BPR .......................................................................
12
7. Sasaran BPR ......................................................................
13
8. Kegiatan Bank Perkreditan Rakyat (BPR) ........................
13
commit to user ix
perpustakaan.uns.ac.id
B. Kredit
digilib.uns.ac.id
.............................................................
14
1. Pengertian Kredit ................................................................
14
2. Unsur-unsur Kredit ..............................................................
15
3. Tujuan Kredit........................................................................
16
4. Fungsi Kredit ........................................................................
17
5. Jenis-jenis Kredit ..................................................................
19
6. Prinsip-prinsip Pemberian Kredit.........................................
22
7. Prosedur Pemberian Kredit...................................................
24
BAB III. PEMBAHASAN ...............................................................................
26
A. Gambaran Umum Perusahaan ...................................................
26
1. Sejarah Berdirinya Perusahaan ............................................
26
2. Kepemilikan Pemegang Saham ...........................................
28
3. Permodalan ..........................................................................
28
4. Perubahan Susunan Pengurus ..............................................
29
5. Produk dari PT. BPR Nguter Surakarta ...............................
32
6. Struktur Organisasi dan Job Description .............................
34
B. Pembahasan .............................................................................
41
1. Arus Penyaluran Kredit dan Pengembalian Kredit...............
41
2. Hambatan Penyaluran dan Pengembalian Kredit.................
54
BAB IV. PENUTUP .......................................................................................
55
A. Kesimpulan ..............................................................................
55
B. Saran
56
...................................................................................
DAFTAR PUSTAKA LAMPIRAN
commit to user x
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DAFTAR TABEL
Tabel 3.1 Nama dan Jumlah Pemegang Saham PT. BPR Nguter Surakarta ....
32
Tabel 3.2 Nama dan Jumlah Pemegang Saham Baru BPR Nguter Surakarta..
35
Tabel 3.3 Laporan NPL bulanan PT. BPR Nguter Surakarta tahun 2008 .........
49
Tabel 3.4 Angsuran Bunga Menurun.................................................................
54
Tabel 3.5 Angsuran Bunga Flat.........................................................................
55
Tabel 3.6 Laporan NPL bulanan PT. BPR Nguter Surakarta tahun 2008.........
56
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DAFTAR GAMBAR
Gambar 3.1 Struktur Organisasi PT. BPR Nguter Surakarta …………….....
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DAFTAR LAMPIRAN
1. Contoh Form Analisis Kredit 2. Surat Kesanggupan Pembayaran Kredit 3. Tanda Setor 4. Tanda Terima Uang Pinjaman 5. Slip Penarikan dan Slip Setoran 6. Spesimen Tanda Tangan Nasabah 7. Aplikasi Pembukaan Rekening Deposito/ Tabungan 8. SID (Sistem Informasi Debitur) 9. Kartu Pinjaman 10. Disposisi Pencairan Kredit 11. Surat Perjanjian Membuka Kredit 12. Surat Penyerahan Hak Milik Secara Kepercayaan (Fidusia) 13. Surat Pernyataan dan Penyerahan Kembali Barang Jaminan 14. Surat Kuasa Untuk Menjual Barang Jaminan 15. Surat Pernyataan 16. Bukti Kas Masuk 17. Nota Debet 18. Nota Kredit 19. Tanda Terima Uang Pinjaman 20. Penilaian Magang commit to user 21. Laporan Magang Kerja Mahasiswa xiii
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