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http://repository.ipb.ac.id/handle/123456789/155705
Title: | Analisis Kelayakan Pembiayaan UMKM Pada PT. BPRS Botani Bina Rahmah Bogor |
Other Titles: | Analysis of MSME Financing Feasibility at PT. BPRS Botani Bina Rahmah Bogor |
Authors: | Herlina, Lien Hasanah, Nur Utama, Ashila Syifa |
Issue Date: | 2024 |
Publisher: | IPB University |
Abstract: | Kegiatan capstone project di PT BPRS Botani Bina Rahmah Bogor memberikan temuan permasalah aktual terkait dengan pembiayaan, yaitu penemuan masalah nasabah yang kesulitan atau menghindari pemenuhan kewajiban. Didukung dengan peningkatan jumlah UMKM di area kota dan kabupaten Bogor, serta tingginya tingkat risiko pembiayaan, penelitian ini bertujuan untuk menganalisis implementasi prinsip 5C dan 7P sebagai metode yang biasa digunakan dalam analisis pembiayaan untuk mengidentifikasi dan mengelola risiko pembiayaan UMKM. Penelitian juga menganalisis tingkat risiko pembiayaan UMKM di BPRS Botani sebagai salah satu alat ukur efektivitas implementasi prinsip 5C dan 7P. Data penelitian ini diperoleh melalui observasi, wawancara dengan pemangku kepentingan menggunakan metode purposive sampling, dan arsip bank mencakup kebijakan, statistik, dan administrasi bank. Analisis data dengan teknik triangulasi dan analisis kualitatif. Hasil penelitian menunjukkan bahwa PT BPRS Botani Bina Rahmah Bogor menerapkan prinsip 5C (character, capacity, capital, collateral, condition of economy) dan 5P (party, purpose, prospect, profitability, protection) dalam menilai nasabah. Terdapat 4 aspek yang perlu diperhatikan, yaitu aspek character, capacity, condition of economy, dan protection. Perubahan kondisi manajemen dan menambah jumlah pembiayaan menjadi langkah strategis yang diambil guna menurunkan tingkat risiko pembiayaan bermasalah. The capstone project activity at PT BPRS Botani Bina Rahmah Bogor provided findings of actual problems related to financing, namely the discovery of customer problems that are difficult or avoid fulfilling obligations. Supported by the increasing number of MSMEs in the Bogor city and district area, as well as the high level of financing risk, this research aims to analyze the implementation of the 5C and 7P principles as a method commonly used in financing analysis to identify and manage MSME financing risk. The research also analyzed the level of risk of MSME financing at BPRS Botani as a measure of the effectiveness of the implementation of the 5C and 7P principles. The data was obtained through observation, interviews with stakeholders using purposive sampling method, and bank archives including policies, statistics, and bank administration. Data analysis using triangulation techniques and qualitative analysis. The results showed that PT BPRS Botani Bina Rahmah Bogor applies the 5C (character, capacity, capital, collateral, condition of economy) and 5P (party, purpose, prospect, profitability, protection) principles in assessing customers. There are 4 aspects that need to be considered, namely character, capacity, condition of economy, and protection. Changes in management conditions and increasing the amount of financing are strategic steps taken to reduce the risk of non-performing financing. |
URI: | http://repository.ipb.ac.id/handle/123456789/155705 |
Appears in Collections: | UT - Business |
Files in This Item:
File | Description | Size | Format | |
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cover_K1401201172_74a783da9e594f0596d1179e5261df28.pdf | Cover | 802.61 kB | Adobe PDF | View/Open |
fulltext_K1401201172_3e244b6eb5bd442b8d579c79a22ee590.pdf Restricted Access | Fulltext | 1.66 MB | Adobe PDF | View/Open |
lampiran_K1401201172_ce36f9207666420fae33d29761da61b4.pdf Restricted Access | Lampiran | 867.85 kB | Adobe PDF | View/Open |
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