ANALISIS MANAJEMEN KREDIT GUNA MEMINIMALISIR KREDIT BERMASALAH (STUDI KASUS PADA KOPERASI SIMPAN PINJAM CITRA SEJAHTERA TULUNGAGUNG)

Abstract

Credit management is an important part of the overall management of financial institutions, because the majority of the income of bank and non-bank financial institutions relies on the credit sector. By implementing maximum credit management, the risk of non-performing loans can be minimized so that the income generated will be maximized. The research method used in this study is descriptive research with a quantitative approach. This data analysis analyzes credit management, the percentage of Non-Performing Loans (NPLs) from 2018 to 2020, and how to save non-performing loans at the Citra Sejahtera Tulungagung Savings and Loan Cooperative. The credit management applied has not been effective in minimizing non-performing loans. This is known from the results of the analysis of the calculation of the percentage of Non-Performing Loans (NPL) of the Citra Sejahtera Tulungagung Savings and Loan Cooperative from 2018 to 2020 continues to increase. Based on the results of the NPL calculation analysis, it shows that in 2018 the percentage of NPL was 0.58%, in 2019 it was 0.93%, and in 2020 it was 7.36%. The way to save non-performing loans carried out by the Citra Sejahtera Tulungagung Savings and Loan Cooperative is rescheduling, restructuring, and providing guidance to customers in resolving their credit arrears.