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Journal : Jurnal Aplikasi Bisnis Kesatuan

Review Of The Collateral Valuation Procedures By The Internal Appraisal In Loan Disbursement At PT. Pasar Dana Pinjaman (Danamas) Larasati, Dinda; Sudradjat, Sudradjat
Jurnal Aplikasi Bisnis Kesatuan Vol. 3 No. 2 (2023): JABKES Edisi Agustus 2023
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v3i2.2054

Abstract

Collateral is an asset or property provided by the borrower to the lender in order to obtain the loan facility. Collateral is one of the most important things in lending because of its role as the second way out when the default of event occurs in a loan. Therefore, a division and special work procedures are needed to asses the feasibility of an object to be used as collateral. This review was conducted to find out the characteristics of assessable assets that can be financed and used as a collateral by PT. Pasar Dana Pinjaman, as well as to identify the collateral appraisal procedures by internal appraisal, and obstacles faced during the collateral appraisal process. The result of this review show that assets that can be used as collateral are non-movable tangible assets with marketable value, no over-financing, and free from disputes (can be legally bound). Considering the capacity of internal appraisal, collateral that can be appraised by the internal appraisal are those that meets the following criteria, which is total exposure below IDR 10 billion, located within a maximum radius of 30 km from the operational office, classified as a simple property, and there are no negative lists around them. Based on the results of the review of the collateral appraisal procedure by internal appraisal at PT. Pasar Dana Pinjaman, it can be conclude that the internal appraisal division has a systematic procedure in place which is include in the internal appraisal SOP and is in compliance with the standards set by MAPPI, from order acceptance to assessment report. Obstacles faced by the internal appraisal division during the appraisal process are the difficulties of finding comparable data, hard-to-reach Person In Charge, and indications of fraud during appraisal process.
Tinjauan Aplikasi Pelayanan Data dalam Pengelolaan Inventory di Badan Informasi Geospasial Lawrence, Sabrina; Sudradjat, Sudradjat; Mulia, Isnan
Jurnal Aplikasi Bisnis Kesatuan Vol. 5 No. 2 (2025): JABKES Edisi Agustus 2025
Publisher : Program Vokasi dan LPPM IBI Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jabkes.v5i2.1985

Abstract

Inventory adalah bahan atau barang yang disimpan yang nantinya akan digunakan untuk memenuhi tujuan tertentu. Sistem informasi dapat diartikan sebagai kombinasi dan teknologi untuk mendukung operasi dan manajemen. Sebuah sistem merupakan perangkat penting dan sangat dibutuhkan oleh suatu lembaga atau perusahaan. Penggunaan sistem informasi atas inventory dapat menciptakan data inventory yang terorganisir sehingga memudahkan dalam proses pengambilan keputusan.Tujuan dari peninjauan ini adalah untuk mengetahui prosedur pencatatan inventory di Badan Informasi Geospasial, mengetahui pengelolaan atas inventory dengan penggunaan aplikasi Pelayanan Data pada Badan Informasi Geospasial, serta untuk mengetahui kualitas dari informasi inventory yang dihasilkan oleh aplikasi Pelayanan Data.Dari hasil peninjauan dapat disimpulkan bahwa prosedur, pengelolaan serta kualitas informasi mengenai inventory dalam aplikasi Pelayanan Data yang digunakan pada Badan Informasi Geospasial sudah cukup baik. Dimana dalam pelaksanaannya sudah sesuai dengan aturan pemerintah, pencatatan dan pengelolaan inventory dengan penggunaan aplikasi Pelayanan Data juga menghasilkan kualitas informasi yang baik.