Analisis Efektivitas Pengendalian Intern Pemberian Kredit Pada Pt. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu

Abstrak

This research was conducted at PT. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu. The purpose of this research is to determine the effectiveness of internal control in providing credit to PT. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu and to find solutions that must be implemented in an effort to minimize bad credit. The research method used in this research is descriptive qualitative with data collection techniques through documentation and interviews. The results of research at PT. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu shows that internal control is in accordance with the 5C elements, namely character, ability, capital, economic conditions and collateral. Internal control implemented by PT. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu is effective because it has been implemented based on the bank's credit policies and procedures. Internal control has been proven to minimize the occurrence of bad credit. Based on the research results, the author gives advice to avoid bad credit, the employees of PT. Bank Tabungan Negara (Persero) Tbk Kc Bengkulu is more careful in measuring and assessing the 5C elements.