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ANALISIS PEMBERIAN KREDIT KONSUMTIF PADA PT. BANK SULAWESI TENGGARA CABANG UTAMA KOTA KENDARI

Business UHO: Jurnal Administrasi Bisnis · Vol. 5 No. 1 (2020) · pp. 152–162

DOI
10.52423/bujab.v5i1.12625
ISSN
2503-1406
Published
2020-06-16
Publisher
Universitas Halu Oleo
Language
eng
License
creativecommons.org/licenses/by/4.0

Abstract

This study aims to analyze the provision of consumer credit at PT. Bank Sultra, the main branch of Kendari. The informants in this study were employees of Bank Sultra who were actively involved in providing credit analysis. This type of research used in this research is to use a qualitative approach. Data collection uses: observation, interview, and documentation.The results showed that the procedure for granting and disbursing credit at PT. Bank of Southeast Sulawesi's main branch of Kendari must be in accordance with the provisions that have become the main requirements in the Bank of Southeast Sulawesi which includes stages: credit application, taking and filling out forms, completing all the requirements, the existence of a creditworthiness test, and credit approval as well as submitting documents that has been authorized to the bookkeeping section, and making proof of general expenditure by the cashier, the document is returned to the bookkeeping section, handing over money to the debtor, credit disbursement is recorded in the cash outlay recapitulation book by the cashier. ABSTRAK Penelitian ini bertujuan untuk menganalisis pemberian kredit konsumtif pada PT. Bank Sultra cabang utama Kendari. Adapun informan dalam penelitian ini adalah karyawan Bank Sultra yang sedang aktif terkait dengan analisis pemberian kredit. Jenis penelitian yang digunakan dalam penuliisan ini adalah dengan menggunakan pendekatan kualitatif. Pengumpulan data menggunakan: observasi, wawancara, dan dokumentasi.Hasil penelitian menunjukkan bahwa Prosedur pemberian dan pencairan kredit di PT. Bank Sulawesi Tenggara cabang utama Kendari harus sesuai dengan ketentuan yang sudah menjadi syarat utama pada Bank Sulawesi Tenggara yang mencakup tahapan: permohonan kredit, mengambil dan mengisi form, melengkapi segala hal yang menjadi persyaratan, adanya uji kelayakan kredit, dan persetujuan kredit serta penyerahan dokumen yang sudah diotorisasi ke bagian pembukuan, dan pembuatan bukti pengeluaran umum oleh kasir, dokumen dikembalikan ke bagian pembukuan, penyerahan uang kepada debitur, pengeluaran kredit dicatat pada buku rekapitulasi pengeluaran kas oleh kasir. Kata kunci: Pemberian kredit konsumtif PT. Bank Sultra Cabang Utama Kendari

Keywords

Collaboration network of the authors

40 authors · 147 co-authorship links · 12 across different organisations · showing the 40 most connected

Hover or tap a name to highlight its co-authors. Double-click to open the author's page.

  • Universitas Halu Oleo
  • Universitas Muhammadiyah Parepare
  • Indonesia Open University
  • Institut Agama Islam Negeri Kendari
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Jopang JopangUniversitas Halu Oleo6
Makmur KambolongUniversitas Halu Oleo5
Mustakim MustakimUniversitas Muhammadiyah Parepare5
Zulfiah LarisuUniversitas Halu Oleo4
Akhyar AbdullahUniversitas Halu Oleo4
Eko HariantoIndonesia Open University3
Sahrun SahrunAffiliation unknown3
Erni QomariyahAffiliation unknown3
Liwaul LiwaulUniversitas Halu Oleo3
La Ode MustafaAffiliation unknown2
Muhammad YusufUniversitas Halu Oleo2
Adrian TawaiUniversitas Halu Oleo2
Eka SuaibUniversitas Halu Oleo2
Abdul KadirUniversitas Halu Oleo2
Suryani BBAffiliation unknown2
Sartono SartonoUniversitas Halu Oleo2
Jamal BakeAffiliation unknown2
Aminuddin AminuddinInstitut Agama Islam Negeri Kendari2
La Ode Muhammad ElwanUniversitas Halu Oleo1
La TarifuUniversitas Halu Oleo1
Sumadi DillaUniversitas Halu Oleo1
Sabrina HidayatUniversitas Halu Oleo1
Oheo K. HarisAffiliation unknown1
Marsuki IswandiAffiliation unknown1
Yusuf DaimuAffiliation unknown1
Andi Adha ArsyadAffiliation unknown1
Amalan AmalanAffiliation unknown1
Musjito MusjitoAffiliation unknown1
Gunawan GunawanAffiliation unknown1
Antasari AntasariAffiliation unknown1
Akhyar SujiantoAffiliation unknown1
Muh AmirUniversitas Halu Oleo1
Alfian MirdamAffiliation unknown1
Endang SuryandiAffiliation unknown1
Dewi AsrianiAffiliation unknown1
H. Abdul KadirAffiliation unknown1
St. Rabiah Dewi K. SiregarAffiliation unknown1

Affiliations come from OpenAlex; journal OAI-PMH metadata carries none. Authors without an OpenAlex ID are matched by name, which can merge or split people.

Metadata source: OAI-PMH (metadata jurnal) https://ojs.uho.ac.id/index.php/BUSSINESUHO/oai, first harvested 31 Okt 2026, last seen 31 Okt 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">ANALISIS PEMBERIAN KREDIT KONSUMTIF PADA PT. BANK SULAWESI TENGGARA CABANG UTAMA KOTA KENDARI</dc:title>
	<dc:creator>Aldin, Aldin</dc:creator>
	<dc:creator>Utha, Arifin</dc:creator>
	<dc:creator>Purwati, Ninik Endang</dc:creator>
	<dc:subject xml:lang="en-US">Administrasi Bisnis</dc:subject>
	<dc:subject xml:lang="en-US">Provision of consumer credit for PT. Bank Sultra Kendari Main Branch</dc:subject>
	<dc:description xml:lang="en-US">This study aims to analyze the provision of consumer credit at PT. Bank Sultra, the main branch of Kendari. The informants in this study were employees of Bank Sultra who were actively involved in providing credit analysis. This type of research used in this research is to use a qualitative approach. Data collection uses: observation, interview, and documentation.The results showed that the procedure for granting and disbursing credit at PT. Bank of Southeast Sulawesi's main branch of Kendari must be in accordance with the provisions that have become the main requirements in the Bank of Southeast Sulawesi which includes stages: credit application, taking and filling out forms, completing all the requirements, the existence of a creditworthiness test, and credit approval as well as submitting documents that has been authorized to the bookkeeping section, and making proof of general expenditure by the cashier, the document is returned to the bookkeeping section, handing over money to the debtor, credit disbursement is recorded in the cash outlay recapitulation book by the cashier.  ABSTRAK Penelitian ini bertujuan untuk menganalisis pemberian kredit konsumtif pada PT. Bank Sultra cabang utama Kendari. Adapun informan dalam penelitian ini adalah karyawan Bank Sultra yang sedang aktif terkait dengan analisis pemberian kredit. Jenis penelitian yang digunakan dalam penuliisan ini adalah dengan menggunakan pendekatan kualitatif. Pengumpulan data menggunakan: observasi, wawancara, dan dokumentasi.Hasil penelitian menunjukkan bahwa Prosedur pemberian dan pencairan kredit di PT. Bank Sulawesi Tenggara cabang utama Kendari harus sesuai dengan ketentuan yang sudah menjadi syarat utama pada Bank Sulawesi Tenggara yang mencakup tahapan: permohonan kredit, mengambil dan mengisi form, melengkapi segala hal yang menjadi persyaratan, adanya uji kelayakan kredit, dan persetujuan kredit serta penyerahan dokumen yang sudah diotorisasi ke bagian pembukuan, dan pembuatan bukti pengeluaran umum oleh kasir, dokumen dikembalikan ke bagian pembukuan, penyerahan uang kepada debitur, pengeluaran kredit dicatat pada buku rekapitulasi pengeluaran kas oleh kasir. Kata kunci : Pemberian kredit konsumtif PT. Bank Sultra Cabang Utama Kendari</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2020-06-16</dc:date>
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	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:type xml:lang="en-US"></dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/12625</dc:identifier>
	<dc:identifier>10.52423/bujab.v5i1.12625</dc:identifier>
	<dc:source xml:lang="en-US">Business UHO: Jurnal Administrasi Bisnis; Vol 5, No 1 (2020): Business UHO: Jurnal Administrasi Bisnis; 152-162</dc:source>
	<dc:source>2503-1406</dc:source>
	<dc:source>10.52423/bujab.v5i1</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/12625/8882</dc:relation>
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	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:rights xml:lang="en-US">Copyright (c) 2020 Aldin Aldin, Arifin Utha, Ninik Endang Purwati</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by/4.0</dc:rights>
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