Analisis Manajemen Kredit Untuk Meningkatkan Profitabilitas pada Badan Penyalur Bantuan Koperasi Wahidiyah (BPBKW)

Abstract

The purpose of this research is to describe the application of credit management carried out by the Wahidiyah Cooperative Aid Agency (BPBKW) in increasing profitability through credit management and describing effective credit management seen from the performance of credit analysis and profitability ratio. The method used in this study is quantitative with descriptive analysis. The data collected is primary data, with interview techniques, documentation, and observation. In analyzing using two stages, namely analyzing credit management applied to the Wahidiyah Cooperative Assistance Agency (BPBKW), and analyzing financial statements. The results of the analysis obtained data that the management applied by the Wahidiyah Cooperative Assistance Agency (BPBKW) in managing credit was credit planning, credit granting procedures, analysis of lending, and Credit Supervision. Analysis of credit performance shows that BPBKW in fulfilling credit to its customers is very good above the standard > 20%. The profitability ratio in generating profits has increased from 2014-2016 (15.5%, 15.7%, 18.8%). While the profitability ratio of own capital in generating profits also increased from 2014-2016 (15.5%, 15.7%, 18.8%).