For
that before the realization of credits held, managers of banks should
be able to estimate the smoothness of loan repayment and interest
payments. In addition, it is necessary to penilitian the feasibility
prospective borrowers to determine the amount of income or income of the
bank in order to avoid or minimizing the risk of bad debts.
A bank can no longer be trusted by society then it can be expected that the bank will not last much longer. This is because the bank is a financial institution that is based on trust. Therefore pengelolah bank must be equipped with professionalism and high integrity and is supported by the presence of a transfaransi and banking information that can be accessed by the entire community.Bank in addition aimed at achieving optimal profit also aims to maintain the continuity of the business is run. One of the most important management carried out in support of these objectives is pengelolah human resources, as the backbone in conducting banking activities in order to obtain qualified human resources, skilled and reliable.In reaching its main goal the bank to get the optimal profit then it is proper credit as the largest source of income for banks arranged so began when their credit application to the repayment, by sticking to the principles of credit.Conceivably, if a bank is unable to lend, while the funds collected from the deposits of large amounts it can be ascertained that the bank will suffer losses because they have to pay interest on deposits. This means that the bank not only serve as deposit-taking institutions alone but must function as the distributing agency anyway.Errors in the distribution of funds more harm again iika not processed properly. Hence the need for specific management of the credit or termed credit management. In general the functions of credit management, among others, include the planning, implementation and monitoring. These functions must be implemented properly and systematically in order that the purpose of the credit can be achieved.Besanya total outstanding loans will determine profits. That does not mean that the sheer number of large loans will provide great benefits as well.
Sometimes a small amount of loans disbursed but the profits are huge. It depends on the credit management of the bank concerned.Based on the foregoing, the author intends to do this research with the title: "Analysis of Credit Management to Increase Profitability in South-Sulawesi Bank Cab.Gowa".
B. Issue HighlightsBased on the above, which is becoming the central issue in this study: "Does the implementation of credit management can improve profitability?".
C. Research Objectives and Purpose1. Research ObjectivesTo investigate the implementation of credit management in improving profitability.
2. Usability Research1) As an input to the bank concerned in implementing credit management to improve profitability.2) As of library materials for the parties conducting advanced research
A bank can no longer be trusted by society then it can be expected that the bank will not last much longer. This is because the bank is a financial institution that is based on trust. Therefore pengelolah bank must be equipped with professionalism and high integrity and is supported by the presence of a transfaransi and banking information that can be accessed by the entire community.Bank in addition aimed at achieving optimal profit also aims to maintain the continuity of the business is run. One of the most important management carried out in support of these objectives is pengelolah human resources, as the backbone in conducting banking activities in order to obtain qualified human resources, skilled and reliable.In reaching its main goal the bank to get the optimal profit then it is proper credit as the largest source of income for banks arranged so began when their credit application to the repayment, by sticking to the principles of credit.Conceivably, if a bank is unable to lend, while the funds collected from the deposits of large amounts it can be ascertained that the bank will suffer losses because they have to pay interest on deposits. This means that the bank not only serve as deposit-taking institutions alone but must function as the distributing agency anyway.Errors in the distribution of funds more harm again iika not processed properly. Hence the need for specific management of the credit or termed credit management. In general the functions of credit management, among others, include the planning, implementation and monitoring. These functions must be implemented properly and systematically in order that the purpose of the credit can be achieved.Besanya total outstanding loans will determine profits. That does not mean that the sheer number of large loans will provide great benefits as well.
Sometimes a small amount of loans disbursed but the profits are huge. It depends on the credit management of the bank concerned.Based on the foregoing, the author intends to do this research with the title: "Analysis of Credit Management to Increase Profitability in South-Sulawesi Bank Cab.Gowa".
B. Issue HighlightsBased on the above, which is becoming the central issue in this study: "Does the implementation of credit management can improve profitability?".
C. Research Objectives and Purpose1. Research ObjectivesTo investigate the implementation of credit management in improving profitability.
2. Usability Research1) As an input to the bank concerned in implementing credit management to improve profitability.2) As of library materials for the parties conducting advanced research
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