| dc.description.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. | en_US |
