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ANALISIS KEBIJAKAN PEMBERIAN KREDIT DALAM MENCAPAI TINGKAT KOLEKTIBILITAS KREDIT PADA PT. BANK ICBC INDONESIA

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ABSTRACT Lending Policy Analysis In f,ssshing The Level of Loan Collectibility at PT. Bank ICBC Indonesia By Rovina Simanjuntak With the increasing business in Indonesia, the more that develops its business is by obtaining additional funding from various sources, one of which is the Balk pT Baok ICBC Indonesia in its business activities is one of the main sources of frrnds in the economic life its function to collect public fimds with a variety of products both in the form of savings, deposits, demand deposits, etc and fiunel funds to the public in the form of credit. Bank ICBC Credit mostly consumer loans. The application of lending policies by management that looks good evidenced by the achievement of the lowest NPL percentage rate, which is March 2010 1,32%o baried internal audit and 3,42o/o based branch. The collectibility from March 2008 until June 2010 to show fluctuations in good because NPL did not exceed 5% n the accordance with Bank of Indonesia regulations in 2004 for based branch and based intemal audit. Percentage of the collectibility of loans obtained pr. Bank ICBC Indonesia based the application of some policies in terms of lending in order to reduce the percentage of NPL at least near to 0%. Hypothesis test result using ANOVA test showed Ho is not supported thus it can be concluded that calculation according to branches and internal audit are different statistically different. These differences occur because of differences in perspective or interpretation of rules or criteria which the debtor is included into the coliectiLility l-5. It can also be said that all measures aken by management has an important role for increased collectibility of loans. Measures taken by the careful calculation and consistency in the application to obtain the results of the Bank and the decline in NpLs to increase profits and shareholder value. Notice any dif&ence above tlen it should Bank ICBC already has a guide in classifuing the collectibility of socialized back for grouping calculation of collectibility by branch and intemal audit not different sipificantly. Keywords : collectibility, NPL, lending policy