Jurnal Terapan Manajemen dan Bisnis
Vol 7, No 1 (2021): VOLUME 7 NUMBER 1 (2021)

FACTORS AFFECTING DECISIONS ON LENDING (STUDIES ON BPRS IN BATAM CITY)

Chasdy Novriadi (Universitas Universal)
Didi Sundiman (Universitas Universal)



Article Info

Publish Date
29 Mar 2021

Abstract

This study studies the factors that influence bank financing decisions with the principle 6 C method . Financial analysis helps the NPL from bank crediting the people no more than what is determined by the OJK. This type of research is descriptive qualitative, namely research that discusses describing the phenomena that occur in the location of research using qualitative data analysis. Data collection techniques include interviews, observation, documentation . While the data analysis uses qualitative descriptive techniques. Data informants consisted of 5 prospective debtors, 1 credit analyst, and a credit committee consisting of 3 people. The results of this study state that 6 C Analysis with Relationship Marketing is only 5C (Character, Capital, Capacity, Collateral, Economic Condition) that affects credit lending decisions and 1 C (Constraints) are not opposed to credit purchase decisions.

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Journal Info

Abbrev

JTMB

Publisher

Subject

Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

Description

Jurnal Terapan Manajemen dan Bisnis (JTMB) - Journal of Applied Management and Business with e-ISSN 2477-5282 and p-ISSN 2599-3127. JTMB is an International Journal, hereinafter abbreviated as JTMB, compiles and publishes various researchers in the field of management especially in the application ...