Analysis Of Collateral Value In Provision Of Credit Customer BPR Serang

Abstract

The Problem of Checking Guarantee Data Process at PT. BPR Serang (Perseroda), How is the Assessment Method for Credit Guarantees at PT. BPR Serang (Perseroda), How to bind credit guarantees at PT. BPR Serang Objective To find out the process of checking credit guarantee data at PT. BPR Serang, To understand the credit guarantee assessment method at PT. BPR Serang, To understand the binding of credit guarantees at PT. BPR Serang. The writing method used is descriptive qualitative method, which is a form of data collection that aims to describe, describe a situation or a problem, where the correct data is taken, the time and place of this research starts from March 20 to April. 30 which is held from 08.00 to 15.00 WIB. Data collection techniques in this study were observation, interviews, documentation. And data analysis techniques used in this study were triangulation, data reduction, data presentation, and drawing conclusions. Results/Findings: In the process of checking this data in submitting a credit application, the first thing that must be known is the nature of a customer's commitment so that we know that this responsibility must be carried out by every customer who applies for credit, and in the process of checking this guarantee data each customer is required to meet the guarantee criteria, namely having Marketability, meaning that goods or objects can be easily sold, Ascertainability, meaning that the goods or objects can be assessed in a general and definite manner, Stability, The collateral assessment process required in this credit application is seen from several sources that carried out by PT. BPR Serang including Fair Market Value is the value or price of collateral prevailing in the market at the time the valuation is carried out, and For this land security assessment, looking at the source of the assessment of the Sales Value of the Tax Object contained in the certificate, the party will do a re-calculation for the valuation of the collateral calculated by the percentage of land collateral is 80% and the results of the calculation are used as collateral value in the credit application. In the binding of credit guarantees carried out by PT. BPR attacks, this binding is carried out using SKMHT and APHT, and each has provisions including for a credit limit of less than Rp. 30,000,000 using SKMHT, and for a credit limit of more than Rp. 30,000,000 using APHT. and for this binding fee, including the verification fee for the SKMHT AND APHT guarantee fee of Rp. 1,000,000, 125% mortgage fee