Keputusan Pemberian Kredit pada Pegadaian KanWil I Cabang Medan Utama (Studi Eksploratif)

Abstract

Giving credit to the UMKM is one of the government’s way to promote the ability of the enterpreiner in the developing of their enterpreiner. In 2015, the member of UMKM in Indonesia reached 57,9 million enterpreiner with contribution of PDB as big as 58,92% and absorbed labourea as big as 97,30% (based on data BPS). Pegadaian seemed to be the one of monetery non- bank which participate in helping to give credits for the customers in the micro sector. This research intends to know how the evaluation of the enterpreiner survive which is done by the Pegadaian towards the creditor request which is asked by the customers as the requirement to take the decision to give credit to the customer and to know how the procedures which is done by th Pegadaian. Research method used in this way is the kwalitative and eksplorative with the descriptive approach. By analyzing the system of evaluation in the enterpreiner survive and the SOP documents about taking decision to give micro credit which is done by the Pegadaian. The survive evaluation which is done by the Pegadaian is the credit’s theory 5c that is (character, capital, collateral, capacity, condition of economy). The process of evaluation in the enterpreiner survive which is done by the Pegadaian is also to become the distance and the guarantee BPKB of motocycle like car, pick up, truck, etc as main consideration in giving evaluation towards the customer request. The credit’s theory 5c which become the basic evaluation of the survive credit request which is done by analyse Pegadaian in deciding to receive or to reduce the credit’s request which is asked by the customer. And in the procedure giving credits Pegadaian has a simple system where the process of credits request until they can get the credits needs only 3 days where the process can be said the fastest if we compare with the other banks convensional.