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• Agel Maulana
• Deardo Maulana Purba
• Fahrentio Konisafa Remindo
• Hafiz Furqani
• Hilma Khairia
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REKOMENDASI
KREDIT An. JIMMY
ALFARADO
USAHA SPAREPART MOTOR
01 LATAR BELAKANG
02 DATA POKOK
03 PENILAIAN
• ASPEK HUKUM
• ASPEK MANAJEMEN
• ASPEK TEKNIS
• ASPEK PEMASARAN
• ASPEK KEUANGAN
• ASPEK SOSIAL EKONOMI
• ASPEK DAMPAK LINGKUNGAN
• KESIMPULAN
• REKOMENDASI
LATAR
BELAKANG
Sdr JIMMY ALFRADO dengan permohonannya tanggal 22
Februari 2023 mengajukan permohonan kredit modal kerja
multiguna sebesar Rp.300.000.000,- (tiga ratus juta rupiah).
Maksud debitur mengajukan permohonan ini adalah untuk
menambah persediaan barang dagangan berupa sparepart motor
sehubungan semakin meningkatnya permintaan dari pelanggan
baik dalam partai besar maupun secara eceran untuk keperluan
masyarakat umum atau bengkel dalam partai besar maupun kecil.
Modal kerja yang ada sebelumnya masih belum menutupi
permintaan konsumen yang terus meningkat hal ini juga
dikarenakan pemasaran yang dilakukan debitur tidak hanya untuk
wilayah Padang namun juga ke daerah Kabupaten dan Kota di
Sumatera Barat seperti kedaerah dhamasraya, bukittinggi,
pasaman, pariaman, solok, dan agam.
Diharapkan dengan dibantunya kredit akan meningkatkan
likuiditas, solvabilitas, profitabilitas dan going concern usaha
DATA
POKOK
HUBUNGAN DEBITUR
DENGAN BANK
• DANA
• KREDIT DAN BANK GARANSI
03 02
Legalitas & Perizinan
Dalam aktifitas usahanya perusahaan JIMMY ALFRADO 03
sudah memiliki izin - izin untuk aktifitas usaha 04
NIB
Nomor dan tgl dokumen 1101230050344 tanggal 11 Januari 2023
NPWP
NPWP
Nomor dan Tanggal Dokumen 62.044.586.6-205.000
01
Instansi Penerbit Direktorat Jendral Pajak
Otorisasi
Isi Utama Dokumen
Masa berlaku
Kepala Direktorat Jenderal Pajak
03 02
Nomor Pokok Wajib Pajak
-
03
04
Aspek Manajemen
Reputasi Calon Debitur
Sdr. JIMMY ALFARADO lahir di Tapan pada tanggal 14 Desember 2000 dengan latar belakang pendidikan
lulusan SMA, debitur sempat melanjutkan ke jenjang perkuliahan, namun memutuskan untuk meneruskan
usaha yg sudah dimulai dari sang ayah yang didirikan di tapan, namun sekarang debitur berani melakukan
ekspansi usaha di kota padang yang mulai berusaha sejak tahun 2021 yang bergerak dalam bidang
Perdagangan Spare Part Motor dan Service. Dengan pengalaman debitur yang sudah membantu sang
ayah dalam menjalakan usaha tersebut dari usia 11 tahun, maka debitur sudah sangat paham sistematis
dalam perdagangan tersebut, dan seiring berjalannya waktu debitur dapat membaca peluang pasar.
Pengalaman debitur dalam usaha ini diyakini baik karena telah mengenal dan membantu menjalankan
usaha ini selama 12 tahun. Pemohon dinilai mempunyai karakteristik yang baik dan kooperatif dalam
menjalankan tanggung jawabnya baik kepada rekan usaha. Debitur diyakini memiliki kapasitas yang cukup
mampu dalam mengelola perusahaan dengan baik.
Organisasi Perusahaan
Dalam menjalankan usahanya debitur bekerjasama dengan orangtuanya dalam menjalankan usahanya
tersebut, namun dalam urusan pencatatan barang dan keuangan, seperti pencatatan barang masuk dan
barang keluar, serta laporan keuangan debitur telah mengurus perusahaan secara independen, atau sudah
mengurus perusahaan secara sendiri selama 2 tahun. Di dalam usaha debitur, debitur memiliki anggota
sebanyak 5 orang, yg mana diantaranya adalah 2 anggota dalam dan 3 mekanik.
Lanjutan
Hubungan Kerjasama Antar Pengurus dan Pihak Ketiga
Hubungan debitur sebagai pengurus dengan tenaga kerja berjalan dengan baik. Sistem komunikasi yang
diterapkan bersifat kekeluargaan dan antara debitur dan tenaga kerja terjalin komunikasi dua arah,
sehingga hal ini akan membantu dalam menjalankan aktifitas usaha. Selama berhubungan dengan bank
dan pihak ketiga lainnya baik pemilik toko, supplier, lembaga informal dan informal lainnya dinilai baik dan
belum pernah didapatkan informasi yang negatif.
Aspek
Teknis
Lanjutan
Fasilitas produksi yang dimiliki dan status kepemilikan
No Fasilitas Kerja & Pendukung (Unit) Kondisi Status
Kepemilikan
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