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Analisis Prosedur Pemberian Kredit Modal Kerja Pada Bank Sultra Cabang Utama Kendari

Business UHO: Jurnal Administrasi Bisnis · Vol. 4 No. 2 (2019) · pp. 243–255

DOI
10.52423/bujab.v4i2.9464
ISSN
2503-1406
Published
2019-11-19
Publisher
Universitas Halu Oleo
Language
eng
License
creativecommons.org/licenses/by/4.0

Abstract

This study aims to determine the procedure for granting working capital loans at the South Sulawesi Southeast Sulawesi Main Branch Bank. The informants in this study were bank employee informants and informants from borrowers of capital business funds. The number of informants in this study were 3 people, consisting of 2 South Sulawesi Bank Employees, and 1 South Sulawesi Bank working capital customer. Data collection techniques carried out by means of interviews, namely data collection conducted by conducting question and answer directly with the Chairman or with the Employees of PT. Bank Sultra Utama Kendari Branch, specifically regarding crediting and study of documents that is, collecting data through documents or archives in the object of research as well as covering the history of the establishment of the company, organizational structure, and other data provided by the company. The analysis technique used to analyze the problems raised in this study is to use quantitative and qualitative descriptive data analysis techniques, namely the systematic depiction or decomposition of the procedure for granting credit by PT. Bank Sultra Kendari Main Branch to prospective debtors.The results showed that the procedure for granting credit is the stages that must be passed before a credit is decided to be disbursed. The procedure for granting working capital loans, starting from prospects of customers who come for the purpose of applying for credit, then collected files and requests for prospective customers. After that the completeness of the file is checked, and if the file is considered complete, the disposition of the application is carried out in accordance with the Standard Operating Procedure (SOP). If the requirements are deemed complete and feasible, then the leadership will continue to be recommended, and if the recom- mendation is accepted, then the credit analyst and credit admin will continue to be issued a letter of credit approval and finally an agreement is reached on the credit agreement and binding of the notary deed

Keywords

Collaboration network of the authors

40 authors · 115 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
  • Institut Agama Islam Negeri Kendari
  • Jenderal Soedirman University
  • Affiliation unknown
  • Different organisations
  • Same organisation
  • Affiliation unknown
  • Thicker line = more joint articles · bigger circle = more articles
Show as table
Co-authorOrganisationJoint articles
Liwaul LiwaulUniversitas Halu Oleo9
Muh. YusufUniversitas Halu Oleo5
Mustakim MustakimUniversitas Muhammadiyah Parepare5
Arifin UthaUniversitas Halu Oleo4
Akhyar AbdullahUniversitas Halu Oleo4
Candra Puspita NingtyasAffiliation unknown4
Ninik Endang PurwatiAffiliation unknown4
Jamal BakeAffiliation unknown3
Asriani AsrianiUniversitas Halu Oleo2
Nurjannah NurjannahInstitut Agama Islam Negeri Kendari2
Gunawan GunawanAffiliation unknown2
Muhammad AmirUniversitas Halu Oleo2
Muh AmirUniversitas Halu Oleo2
Riskha Amalia BaharAffiliation unknown2
Risky RiswanaAffiliation unknown2
Rahman RahmanAffiliation unknown2
Adelisna AdelisnaUniversitas Halu Oleo1
Muh NasirUniversitas Halu Oleo1
Rekha Adji PratamaAffiliation unknown1
Kartika Dwi SuryaningrumAffiliation unknown1
Faturachman Alputra SudirmanUniversitas Halu Oleo1
Muhammad Nikmat JoharAffiliation unknown1
Wa Ode SrijunaAffiliation unknown1
La Ode JamilAffiliation unknown1
Aprilia WulandariAffiliation unknown1
La Ode Muhammad ElwanUniversitas Halu Oleo1
YUDISTA SURYADIRTA TAUFIQAffiliation unknown1
Siti NurhayatiJenderal Soedirman University1
Nyoman Ningsih UtamiAffiliation unknown1
Fitriana FitrianaAffiliation unknown1
La Ode SukdiAffiliation unknown1
Suci Yanti Ramadani AnwarAffiliation unknown1
Natalya NatalyaAffiliation unknown1
andi nurhidayatAffiliation unknown1
chandra ningtyasAffiliation unknown1
Muhammad Andika Putra AbdussamadAffiliation unknown1
yuli dian nastitiAffiliation 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 1 Nov 2026.
Original metadata (oai_dc) 
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	<dc:title xml:lang="en-US">Analisis Prosedur Pemberian Kredit Modal Kerja Pada Bank Sultra Cabang Utama Kendari</dc:title>
	<dc:creator>Alviana, Lana</dc:creator>
	<dc:creator>kambolong, makmur</dc:creator>
	<dc:creator>sahrun, sahrun</dc:creator>
	<dc:subject xml:lang="en-US">Administrasi Bisnis</dc:subject>
	<dc:subject xml:lang="en-US">Working Capital Loan; Procedure</dc:subject>
	<dc:description xml:lang="en-US">This study aims to determine the procedure for granting working capital loans at the South Sulawesi Southeast Sulawesi Main Branch Bank. The informants in this study were bank employee informants and informants from borrowers of capital business funds. The number of informants in this study were 3 people, consisting of 2 South Sulawesi Bank Employees, and 1 South Sulawesi Bank working capital customer. Data collection techniques carried out by means of interviews, namely data collection conducted by conducting question and answer directly with the Chairman or with the Employees of PT. Bank Sultra Utama Kendari Branch, specifically regarding crediting and study of documents that is, collecting data through documents or archives in the object of research as well as covering the history of the establishment of the company, organizational structure, and other data provided by the company. The analysis technique used to analyze the problems raised in this study is to use quantitative and qualitative descriptive data analysis techniques, namely the systematic depiction or decomposition of the procedure for granting credit by PT. Bank Sultra Kendari Main Branch to prospective debtors.The results showed that the procedure for granting credit is the stages that must be passed before a credit is decided to be disbursed. The procedure for granting working capital loans, starting from prospects of customers who come for the purpose of applying for credit, then collected files and requests for prospective customers. After that the completeness of the file is checked, and if the file is considered complete, the disposition of the application is carried out in accordance with the Standard Operating Procedure (SOP). If the requirements are deemed complete and feasible, then the leadership will continue to be recommended, and if the recom- mendation is accepted, then the credit analyst and credit admin will continue to be issued a letter of credit approval and finally an agreement is reached on the credit agreement and binding of the notary deed</dc:description>
	<dc:publisher xml:lang="en-US">Universitas Halu Oleo</dc:publisher>
	<dc:contributor xml:lang="en-US"></dc:contributor>
	<dc:date>2019-11-19</dc:date>
	<dc:type>info:eu-repo/semantics/article</dc:type>
	<dc:type>info:eu-repo/semantics/publishedVersion</dc:type>
	<dc:type xml:lang="en-US">Peer-reviewed Article</dc:type>
	<dc:type xml:lang="en-US">Qualytative</dc:type>
	<dc:format>application/pdf</dc:format>
	<dc:identifier>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/9464</dc:identifier>
	<dc:identifier>10.52423/bujab.v4i2.9464</dc:identifier>
	<dc:source xml:lang="en-US">Business UHO: Jurnal Administrasi Bisnis; Vol 4, No 2 (2019): Business UHO: Jurnal Administrasi Bisnis; 243-255</dc:source>
	<dc:source>2503-1406</dc:source>
	<dc:source>10.52423/bujab.v4i2</dc:source>
	<dc:language>eng</dc:language>
	<dc:relation>https://ojs.uho.ac.id/index.php/BUSSINESUHO/article/view/9464/6682</dc:relation>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:coverage xml:lang="en-US"></dc:coverage>
	<dc:rights xml:lang="en-US">Copyright (c) 2019 Lana Alviana, makmur kambolong, sahrun sahrun</dc:rights>
	<dc:rights xml:lang="en-US">http://creativecommons.org/licenses/by/4.0</dc:rights>
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