DAFTAR ISI

LEMBAR PENGESAHAN
LEMBAR PERNYATAAN
ABSTRACT.........................................................................................................i
ABSTRAK............................................................................................................ii
KATA PENGANTAR.........................................................................................iii
DAFTAR ISI........................................................................................................vi
DAFTAR TABEL...............................................................................................viii
DAFTAR GAMBAR.............................................................................................ix
DAFTAR LAMPIRAN.........................................................................................x
BAB I PENDAHULUAN....................................................................................1
1.1 Latar Belakang...........................................................................................1
1.2 Identifikasi Masalah..................................................................................3
1.3 Tujuan Praktek Kerja.................................................................................4
1.4 Kegunaan Praktek Kerja ...........................................................................4
1.5 Metode Penulisan......................................................................................5
1.5.1 Teknik Pengumpulan Data............................................................5
1.6 Lokasi dan Jadwal Kegiatan Praktek Kerja...............................................6
1.6.1 Lokasi Kegiatan.............................................................................6
1.6.2 Jadwal Kegiatan.............................................................................6
BAB II TINJAUAN PUSTAKA.........................................................................7
2.1 Kredit........................................................................................................7
2.1.1 Pengertian Kredit.........................................................................7
2.1.2 Tujuan Kredit...............................................................................8
2.1.3 Fungsi Kredit...............................................................................9
2.1.4 Unsur-unsur Kredit......................................................................10
2.1.5 Macam-macam Kredit.................................................................11
2.1.6 Prinsip – prinsip kredit................................................................14
2.2 Kredit Macet............................................................................................16
2.2.1 Pengertian Kredit macet..............................................................16
2.2.2 Sebab-sebab Kredit Macet...........................................................17

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2.2.3 Pengggolongan Kredit Macet......................................................20

2.2.4 Penyelesaian Kredit Macet..........................................................21
BAB III GAMBARAN UMUM PERUSAHAAN.............................................24
3.1 Sejarah singkat Bank Pembangunan Daerah Jawa Barat dan Banten
(Persero) Tbk...........................................................................................24
3.2 Visi dan Misi Bank BJB..........................................................................26
3.3 Budaya Perusahaan..................................................................................27
3.4 Nilai – nilai Perusahaan Bank.................................................................28
3.5 Stuktur Organisasi...................................................................................30
3.6 Deskripsi Jabatan PT.Bank Jabar Banten Cabang Ciamis......................31
3.7 Orbitrase..................................................................................................36

BAB IV HASIL PRAKTEK KERJA DAN PEMBAHASAN..........................44

4.1 Penyebab terjadiya kredit macet pada Kredit Usaha Rakyat (KUR) pada
PT. Bank Pembangunan Daerah Bank Jabar dan Banten (persero) Tbk.
Kantor Cabang Ciamis............................................................................44
4.2 Cara penyelesaian Kredit Macet pada Kredit Usaha Rakyat (KUR) pada
PT. Bank Pembangunan Daerah Bank Jabar dan Banten (persero) Tbk.
Kantor Cabang Ciamis............................................................................46

BAB V PENUTUP ..............................................................................................53

5.2 Simpulan.................................................................................................53
5.3 Saran.......................................................................................................54
DAFTAR PUSTAKA
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DAFTAR TABEL

Tabel 1.1 Matrik Waktu Penelitian

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DAFTAR GAMBAR

Gambar 4.1 Prosedur Pemberian KUR.................................................................43

Gambar 4.2 Penyelamatan Kredit Bermasalah......................................................48

Gambar 4.3 Penyelesaian Kredit Bermasalah.......................................................52

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DAFTAR LAMPIRAN

Lampiran 1 Surat Keputusan Pembimbing

Lampiran 2 Laporan Program Magang

Lampiran 3 Daftar Hadir Magang

Lampiran 4 Lembar Penilaian Magang

Lampiran 5 Stuktur Organisasi

Lampiran 6 Formulir Permohonan Kredit KUR

Lampiran 7 Bukti Kunjungan

Lampiran 8 Surat Pernyataan Kesanggupan Debitur