2 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  D e n g a n k e t u l u s a n h a t i d a n r a s a s y u k u r , k u p e r s e m b a h k a n s k r i p is i n i k e p a d a : T u h a n Y e s u s K r si t u s & B u n d a M a r i a Y a n g P e n u h K a is h d a n P e n o l o n g ;

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  J i k a k ti a h a n y a m e n g e r j a k a n y a n g s u d a h k ti a k e t a h u i , k a p a n k a h k ti a a k a n m e n d a p a t p e n g e t a h u a n y a n g b a r u ? M e l a k u k a n y a n g b e l u m k ti a k e t a h u i a d a l a h p i n t u m e n u j u p e n g e t a h u a n .

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  B n a k u k a l e m a t a y n r e t a y a s a w h a b i t k u b r e t n a i d u m e k a li . i n i i ri d n e s a y a s n a s il u t a n il a y n e m n a k a d n it h a l o e s n i a l g n a r o n a s il u t u ri n e m u a t - a y a s n a ri k i m e p l i s a h h a l o

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  b e s e tr a p e r a n g k a t y a n g d i p e lr u k a n ( b li a a d a .) D e n g a n d e m i k i a n s a y a m e m b e ir k a n K e p a d a P e r p u s t a k a a n U n i v e r s ti a s S a n a t a D h a r m a h a k u n t u k m e n y i m p a n , m e n g a il h k a n d a l a m b e n t u k m e d i a l a i n , m e n g e l o l a n y a d a l a m b e n t u k p a n g k a l a n d a t a , m e n d i s t ir b u s i k a n s e c a r a t e r b a t a s , d a n m e m p u b il k a s i k a n n y a d i I n t e r n e t a t a u m e d i a l a i n u n t u k k e p e n it n g a n a k a d e m i s t a n p a p e lr u m e m i n t a i ij n d a r i s a y a m a u p u n m e m b e ir k a n r o y a tl i k e p a d a s a y a s e l a m a t e t a p m e n c a n t u m k a n n a m a s a y a s e b a g a i p e n u il .s D e m i k i a n p e r n y a t a a n i n i y a n g s a y a b u a t d e n g a n s e b e n a r n y a .

  D i b u a t d i Y o g y a k a tr a P a d a t a n g g a l :

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  

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  2 T u j u a n d a r i p e n e il it a n i n i a d a l a h m e n g a n a il s i s p e r b e d a a n r a t r a t a o m - a s e t

  p e n j u a l a n d a n r a t a r a t a l a b a U M K a n t a r a s e b e l - u m d a n s e s u d a h m e m p e r o l e h p e m b i a y a a n d a r i P T . B P R B h a k t i D a y a E k o n o m i P a k e m . O b j e k p e n e il it a n n y a y a ti u U s a h a M i k r o d a n K e c li ( U M K ) y a n g m e n g a m b i l k r e d i t d i B P R B h a k t i D a y a E k o n o m i P a k e m p a d a b u l a n J a n u a r i s a m p a i d e n g a n A p ir l

  2

  1 1 , d e n g a n s a m p e l s e b a n y a k 2 7 U M K . J e n i s d a t a y a n g d i k u m p u l k a n a d a l a h d a t a p ir m e r d a n d a t a s e k u n d e r . D a t a t e n t a n g o m s e t p e n j u a l a n d a n l a b a U M K d i a m b i l p a d a p e ir o d e

  3 b u l a n s e b e l u m d a n s e s u d a h U M K m e n g a m b i l k r e d i t d i P T . B P R B h a k t i D a y a E k o n o m i P a k e m . M e t o d e a n a il s i s d a t a y a n g d i g u n a k a n d a l a m p e n e il it a n i n i m e il p u t i u j i n o r m a l ti a s , d a n u j i w li c o x o n . B e r d a s a r k a n p e r h ti u n g a n u j i w li c o x o n u n t u k v a ir a b e l o m s e t p e n j u a l a n d a p a t d i k e t a h u i b a h w a o m s e t p e n j u a l a n s e b e l u m d a n s e t e l a h p e n y a l u r a n k r e d ti t e r d a p a t p e r b e d a a n y a n g s i g n i if k a n y a n g d ti u n j u k a n o l e h n li - a i Z =

  4 .

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  5 d e n g a n it n g k a t s i g n i if k a n s i . l( e b i h k e c i l d a r i . 5 .) U n t u k v a ir a b e l l a b a b e r d a s a r k a n u j i w li c o x o n d a p a t d i k e t a h u i b a h w a l a b a s e b e l u m d a n s e t e l a h p e n y a l u r a n k r e d i t t e r d a p a t p e r b e d a a n y a n g s i g n i if k a n y a n g d ti u n j u k a n o l e h n li - a i Z = 4 .

  2

  5 7 d e n g a n it n g k a t s i g n i if k a n s i . l( e b i h k e c i l d a r i . 5 ) . D e n g a n d e m i k i a n d e n g a n a d a n y a p e n y a l u r a n k r e d i t d a r i P T . B P R B h a k t i D a y a E k o n o m i P a k e m , m a k a o m s e t p e n j u a l a n , n d a l a b a U s a h a M i k r o d a n K e c i l ( U M K ) m e n g a l a m i p e n i n g k a t a n y a n g s a n g a t b e r a tr .i K a t a K u n c i : P e n g a r u h p e n y a l u r a n k r e d ti , U s a h a M i k r o d a n k e c i .l

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  2 T h e p u r p o s e o f t h i s s t u d y w a s t o a n a l y z e t h e d fi f e r e n c e s i n t h e a v e r a g e s a l e s

  t u r n o v e r a n d a v e r a g e p r o if t o f M i c r o a n d S m a l l E n t e r p ir s e s ( M S E s ) b e f o r e a n d a tf e r o b t a i n i n g if n a n c i n g f r o m t h e P T . B P R B h a k it D a y a E k o n o m i P a k e m . T h e r e s e a r c h o b j e c t w e r e M S E s t a k i n g c r e d i t a t P T . B P R B h a k t i D a y a E k o n o m i P a k e m i n J a n u a r y u p t o A p ir l

  2

  1 1 , w ti h a s a m p l e o f

  2 7 M S E s . T h e t y p e o f d a t a c o ll e c t e d w e r e t h e p r i m a r y d a t a a n d s e c o n d a r y d a t a . T h e d a t a o n s a l e s t

  3 m o n t h p e ir o d b e f o r e - u r n o v e r a n d p r o if t o f M S E s s w e r e t a k e n o n a n d a tf e r t a k i n g c r e d i t a t P T . B P R B h a k t i D a y a E k o n o m i P a k e m . T h e d a t a a n a l y s i s m e t h o d s u s e d i n t h i s s t u d y c o n s i s t e d o f n o r m a l ti y t e s t , a n d W li c o x o n t e s t . B a s e d o n W i l c o x o n t e s t c a l c u l a it o n s f o r s a l e s u t r n o v e r v a ir a b l e , i t c o u l d b e s e e n t h a t t h e r e w a s s i g n i if c a n t d fi f e r e n c e i n t h e t u r n o v e r o f s a l e s b e f o r e a n d a tf e r c r e d i t e x t e n s i o n i n d i c a t e d b y t h e Z v a l u e = -

  4

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  4 5 w ti h a s i g n i if c a n c e l e v e l o f l( e s s t h a n . 5 .) F o r v a ir a b l e i n c o m e b a s e d o n t h e W li c o x o n t e s ,t i t c o u l d b e s e e n t h a t t h e r e w a s s i g n i if c a n t d fi f e r e n c e i n t h e p r o if t b e f o r e a n d a tf e r c r e d i t e x t e n s i o n i n d i c a t e d b y t h e Z v a l u e = -

  4

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  5 7 w ti h a s i g n i if c a n c e l e v e l o f l( e s s t h a n . 5 ) . T h u s w ti h t h e p r e s e n c e o f c r e d ti f r o m P T . B P R B h a k t i D a y a E k o n o m i P a k e m , t h e s a l e s t u r n o v e r a n d p r o if t o f M i c r o a n d S m a l l E n t e r p ir s e s ( M S E s ) e x p e ir e n c e d s i g n i if c a n t i m p r o v e m e n t K e y w o r d s : T h e i n lf u e n c e o f c r e d ti , M i c r o a n d s m a ll e n t e r p ir s e s .

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R A T N A G N E P A T A K

  , m a l a d n e m g n a y r u k u y s a s a r n a d n a ij u p p a n e g e S e k n a k t a j n a p s il u n e p

  M n a g n i b m i b n a d n a a tr e y n e p s a t a a s a u k a h a g n a Y n a h u T t a ri d a h

  • a g g n i h e s a y N K h a l a s i a g a b e s n u s u s i d i n i h a i m li a y r a . i n i i s p ir k s n a k i a s e l e y n e m t a p a d s il u n e p

  . a tr a k a y g o Y , a m r a h D a t a n a S s a ti s r e v i n U i m o n o k E s a tl u P i r a d s a p e lr e t k a d it i n i i s p ir k s a p u r e b h a i m li a y r a k n a i a s e l e y n e p s e s o r n a g n a t - a d a p e k n a g n u k u d n a d n a g n i b m i b n a k ir e b m e m a s a it n a n e s g n a y n a g n a t

  , m ir e t n a k p a c u g n e m s il u n e p h a l k a y a l u ti a n e r a k h e l O . s il u n e p g n a y h i s a k a

  : a d a p e k m a l a d n e m .

  1 D a m r a h a t a n a S s a ti s r e v i n U r o t k e R u k a l e s J . S , . P o n o y ri W . P . r I . r D r e t a P n a k g n a b m e g n e m n a d r a j a l e b k u t n u n a t a p m e s e k n a k ir e b m e m h a l e t g n a y

  S i d u t m a r g o r P i r a d i m o n o k E a n a jr a S r a l e g h e l o r e p m e m k u t n u t a r a y s u t a s F k a i s n a t n u k A

  2 F s a tl u k a n a k e D u k a l e s A

  I Q , .t k A , .i S . M , o n o y i d r a p u S P . Y . s r D E i m o n o k i d a d a r e b s il u n e p a m a l e s t a h e s a n n a d n a g n u k u d n a k ir e b m e m i t n e h a d a it g n a y

  . a m r a h D a t a n a S s a ti s r e v i n U i m o n o k E s a tl u k a F .

  3 S i d u t m a r g o r P a l a p e K u k a l e s A

  I Q , .t k A , .i S . M , a n a s r a K a y d i W f e s u Y . s r D D a m r a h a t a n a S s a ti s r e v i n U i m o n o k E s a tl u k a F i s n a t n u k A s n a d s u g il a k e i a g a b e s

  , n a g n i b m i b , n a ri k i p , a g a n e t , u t k a w s a t a : i s p ir k s g n i b m i b m e p , k u t n u s il u n e p a d a p e k n a k ir e b i d a s a it n a n e s g n a y t a g n a m e s n a d n a r a b a s e k

  .i n i i s p ir k s n a k i a s e l e y n e m t a p a d

  .s il u n e p a d a p e k n a i d a b ir p e k .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  4 . I b u F ri m a S u il s t y o w a it S . E . , M . S i ,. Q

  I A s e l a k u d o s e n p e m b i m b i n g a k a d e m i k y a n g t e l a h m e n d a m p i n g i p r o s e s s t u d i s e l a m a p e n u il s m e n e m p u h s t u d i d i P r o g r a m S t u d i A k u n t a n s i F a k u tl a s E k o n o m i U n i v e r s ti a s S a n a t a D h a r m a . 5 . P a r a D o s e n F a k u tl a s E k o n o m i U n i v e r s ti a s S a n a t a D h a r m a : a t a s li m u d a n d i d i k a n y a n g l u a r b i a s a s e l a m a p r o s e s s t u d i d i F a k u tl a s E k o n o m i t e r c i n t a .

  6 . K a r y a w a n F a k u tl a s E k o n o m i U n i v e r s ti a s S a n a t a D h a r m a ( M a s H a s t o r o , M a s Y u il , M a s F r a n s , B u A t u n , M a s E d e r , d a n M a s Y u y u n ) d a n k a r y a w a n U n i v e r s ti a s S a n a t a D h a r m a ( M a s D e v i _ B A A , M a s D a tr o _ C M , M a s K ir s _ C M , M a s J a l u r _ C M , B u S o p h i e _ P a s c a S a jr a n a , M a s S u p a n g a t , d a n M a s J o k o : a t a s s e g a l a b a n t u a n , k e s a b a r a n , d a n f a s li ti a s y a n g d i s e d i a k a n s e l a m a p r o s e s p e r k u il a h a n .

  7 . P a r a P a t e r ( P a t e r K u n J. S , P a t e r H a r r y J. S , P a t e r P ir y o J. S , P a t e r I n J. S , d a n P a t e r E il a s J. S ) s e tr a r e k a n r - e k a n F r a t e r d i K e n t u n g a n ( F r . A n g g a , F r . C h ir s t y , F r . R o m a n u s , F r . A l d o , d a n F r . A n t o ) : a t a s k e b e r s a m a a n , p e n g a l a m a n , d u k u n g a n d a n d o a n y a . A d M a i o r e m D e i G l o r i a m . !.

  8 . O r a n g t u a k u t e r c i n t a : a t a s k a s i h s a y a n g y a n g h a n g a t , d u k u n g a n , k e p e r c a y a a n , d o a y a n - g it a d a h e n it h e n it n y a , d a n s e g a l a h a l y a n g t e r b a i k y a n g b o l e h s a y a m i il k .i 9 . A d i k k u , T h e r e s i a A m a il a R e m b a M a n u b e l u : a t a s d u k u n g a n , p e r h a it a n , d a n d o a s e h i n g g a s e l a l u m e m b a n g k ti k a n k e ir n d u a n a k a n k e b e r s a m a a n d e n g a n m u . 1 . M b a h K a k u n g S o e m a n rt i M a n g k u S o e w o n d o ( a l m ). , M b a h P u rt i M a r d i a h ,

  M b a h K a k u n g A g u s it n u s Y a h y a M a n u b e l u ( a l m ) , d a n M b a h P u rt i A g n e s

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  O n a t a n i N d o r i W a n g g e ( a l m ). : a t a s d o a d a n c i n t a y a n g b e g ti u k u a t . T u h a n m e m b e r k a t !i 1 1 . K e l u a r g a B e s a r B o n g s o r e d j o : U n t u k s e g a l a d u k u n g a n n y a s e l a m a s a y a it n g g a l d i J o g j a k a tr a .

  1 2 . T h e r e s i a D o m i n i k a L a n d o . , S . P d d a n s e l u r u h k e l u a r g a b e s a r L a m a B l a w a u n t u k s e g a l a d u k u n g a n d a n m o it v a s i n y a .

  1 3 . M a ir e t a N li a s a ir y a n g s e l a l u b e r b a g i s e g a l a s u k a d a n d u k a d e n g a n d i ir k u : a t a s s e g a l a c i n t a , k a s i h s a y a n g d a n k e b a i k a n h a t i s e h i n g g a b e r s e d i a m e n e m a n i , s e l a l u m e n d u k u n g , d a n m e n d o a k a n y a n g t e r b a i k u n t u k k u ; a t a s k e s e it a a n n y a d a n p e n g a l a m a n y a n g t e l a h d li a l u i b e r s a m a . S e m o g a s e g a l a s e s u a t u n y a a k a n m e n j a d i s e m a k i n l e b i h b a i k l a g i . K e j a r d a n w u j u d k a n l a h s e g a l a m i m p i m u . !.

  1 4 . B e n e d e c t a D w i H e n d a r i P r a s it w i : a t a s s e g a l a d u k u n g a n d a n b a n t u a n n y a d a l a m p e n u il s a n s k ir p s i i n .i 1 5 . C h a t a ir n a H a s it n B e s t a r i P u t ir : a t a s d o a d a n s e m a n g a t y a n g d i b e ir k a n k e p a d a k u d a l a m s e g a l a b e n t u k , s u k s e s s e l a l u , T u h a n Y e s u s s e l a l u d i s a m p i n g m u .

  1 S 6 . e m u a t e m a n a n g k a t a n

  2 7 d a n s e m u a y a n g b o l e h a k u k e n a l d a n m e n g e n a l a : k u a t a s k e b e r s a m a a n y a n g m e n y e n a n g k a n s e l a m a p r o s e s p e r k u il a h a n .

  1 7 . T e m a n t e m a n a n g k a t a n 5 d a n

  • h u m o ir s d a n s a m p a i s a a t i n i m a s i h s a il n g m e n d u k u n g : T e ir m a k a s i h a t a s s e g a l a d u k u n g a n d a n d o a y a n g t a k k u n j u n g p u t u .s

  5

  3 S e m i n a r i M e n e n g a h R o h K u d u s T u k a y a n g

  1 8 . S e l u r u h o r - a n g o r a n g y a n g b e r p e r a n d a l a m p r o s e s p e n d e w a s a a n d ri i p e n u il s

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  K k i a b e s n a g n e d i n i i s p ir k s n a k i a s e l e y n e m a y a p u r e b h a l e t s il u n e p i t a d n e

  • , r u k e k a d a h i s a m a w h a b i r a d a y n e m s il u n e p n u m a n a y n k i a b

  . i n i i s p ir k s a d a p n a g n a , t a p a d g n a y n a r a s n a d k it ir k p a d a h r e t i ri d a k u b m e m s il u n e p u ti a n e r a k h e l O

  .i n i a y r a k n a k a n r u p m e y n e m , a y n a c a b m e p i g a b t a a f n a m r e b t a p a d i n i i s p ir k s p a r a h r e b s il u n e p a t a k r i h k A

  . i m o n o k E u m li i g a b n a g n a b m u s n a k ir e b m e m t a p a d n a d Y a y g o , a tr a k i e M

  2

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  I S

  4 . F n a k u lr e p i d g n a y a t a D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  4 A B N A A H A S U R E P M U M U N A R A B M A G

  2

  4 . H a t a D s i s il a n A k i n k e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  2

  4 . G a t a D n a l u p m u g n e P k i n k e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  1

  4 . E l e p m a S n a li b m a g n e P k i n k e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  8

  39 . D l e p m a S n a d i s a l u p o P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  39 . C n a it il e n e P k e j b O .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  39 . B n a it il e n e P u t k a w n a d t a p m e T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  3 . A n a it il e n e P s i n e J .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  9

  I B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  I I

  V I B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

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  8 . A a t a D i s p ir k s e D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

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  9 V B A B I P U T U N E P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

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  8 . B a t a D s i s il a n A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

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  V B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

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  7 N A S A H A B M E P N A D A T A D S

  8

  5 . C E D B R P B t i d e r K k u d o r P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  4 . B a J i s p ir k s e D i s a s i n a g r O r u t k u rt S n a d n a t a b .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

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  I S A K

  I L S A E K N A A T A Y N R E P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . i v

  T A K R A T N A G N E P A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. x T F A D

  A Y R A K N A

  S R E P N A M A L A H N A H A B M E .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . v i O T T O M N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . v

  N A H A S E G N E P N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . ii i

  I B M E P N A U J U T E S R E P N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ii

  I B M

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  H n a m a l a L U D U J N A M A L A H .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. . i

  K A R T S B A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ii v i T C A R T S B A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. x i

  I S

  7

  7 . A n a ti d e r k r e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  U a d a h a s n a g n a b m e k r e P p a d a h r e T t i d e r K h u r a g n e P U a h a s a b a L n K li c e n a d o r k i M .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  3 . E

  6

  23 . D a y n m u l e b e S n a it il e n e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  16 . C li c e K n a d o r k i M a h a s U .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  7 . B k n a B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  I B A B I R O E T N A S A D N A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  I R A .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. i x v N A U L U H A D N E P

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  5 . E t a a f n a M n a it il e n e P .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  5 . D n a it il e n e P n a u j u T .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  5 . C h a l a s a M n a s a t a B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  1 . B h a l a s a M n a s u m u R .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. ..

  1 . A h a l a s a M g n a k a l e B r a t a L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  I B A B .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

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  . C n a r a S .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. 1 7

  1 A K A T S U P R A T F A D .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  8

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  1 N A R I P M A L .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .. .

  2

  1 PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  

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  I P E N D A H U L U A N . L a t a r B e l a k a n g M a s a l a h A

  M a s y a r a k a t d i I n d o n e s i a d e w a s a i n i d i n li a i s a n g a t k o n s u m t fi . I n d o n e s i a m e n d u d u k i p e ir n g k a t k e d u a s e b a g a i N e g a r a p a il n g k o n s u m t fi e k d i u a d d u n i a s e t e l a h S i n g a p u r a , ( h tt p : // s u a r a m e r d e k a . c o m / v

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  4 I/ n d o n e - - s i a N e g a r a K o n s u m t K - - fi e d u a d - n i D a u i ). M a s y a r a k a t I n d o n e s i a d i p a n d a n g s e b a g a i m a s y a r a k a t y a n g k o n s u m t fi . - S e a k a n a k a n o r a n g

  I n d o n e s i a C u m a t a h u “ p a k a i ” . M e m a n g h a l i n i a d a b e n a r n y a , n a m u n m e n g a p a s i s i p r o d u k it f m a s y a r a k a t I n d o n e s i a it d a k i k u t d i e k s p o s ?

  M e n u r u t M a ir m b o (

  2 8 : 4 ) , S fi a t k o n s u m it f m a s y a r a k a t I n d o n e s i a b i s a m e n j a d i k e k u a t a n e k o n o m i t e r s e n d ri .i I s t li a h k a t a p a s a r d i d a l a m n e g e r i t e r b u k a l e b a r , it n g g a l p r o d u k it v ti a s n y a s a j a y a n g p e lr u u n t u k d i a r a h k a n .

  D e n g a n b e g ti u , b e r a tr i U s a h a M i k r o K e c i l d a n M e n e n g a h ( U M K M ) h a r u s s e m a k i n s e ir u s d i p e r h a it k a n .

  I n d o n e s i a m e n j a d i s a t u d i a n t a r a it g a n e g a r a y a n g m a m p u b e tr a h a n d a r i t e r p a a n k ir s i s e k o n o m i g l o b a l . K u n c i n y a , p e r e k o n o m i a n n a s i o n a l d ti o p a n g U M K M y a n g m a s i h m e n g g e il a t t s a a k ir s i ,s ( h tt p : // w a tr a w a r g a . g u n a d a r m a . a c i. d /

  2 1 /

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  B a n y a k k e l e b i h a n y a n g d i s a n d a n g o l e h u s a h a m i k r o k e c i l d a n m e n e n g a h . P a d a m a s a k ir s i s m o n e t e r , p e n - g u s a h a p e n g u s a h a k e l a s k a k a p b a n y a k m e n g a l a m i s p o r t j a n t u n g . S e l a i n t e jr e r a t h u t a n g , s e b a g i a n u s a h a n y a t e r k a p a r . B e r b e d a d e n g a n p e n g u s a h a k e c i l d a n m e n e n g a h y a n g j u s rt u s t a b li .

  U M K M t u m b u h s e p e r it j a m u r . U M K M m e n c e t a k l a p a n g a n k e jr a b a r u y a n g f a n t a s it s . P a d a m a s a k ir s i s m o n e t e r , U M K M t e r b u k t i m a m p u m e n a m p u n g 9 9 .

  4 5 % d a r i t o t a l t e n a g a k e jr a a t a u

  7 3 ,

  2 4 j u t a t e n a g a k e jr a ( M a ir m b o ,

  2 8 : )

  5 T e r n y a t a b u k a n u s a h a b e r a s e t a t a u b e r m o d a l r a t u s a n m i il a r h i n g g a t ir il u n a n r u p i a h y a n g m e n j a d i p e n y a n g g a p e r e k o n o m i a n b a n g s a d i s a a t k ir s i s s e p e tr i ti u , m e l - a i n k a n u s a h a u s a h a y a n g b e r m o d a l k e c i l d a n m e n e n g a h . U M K M j u g a d a p a t m e n e m b u s p a s a r d u n i a d a n m e m b e r i k o n t ir b u s i b e s a r b a g i a n g k a e k s p o r n a s i o n a l . S e p a n j a n g

  2 1 , s e b a n y a k 4 .

  3

  2 7 p e l a k u U K M e k s p o r it r I n d o n e s i a b e r h a s i l m e n y u m b a n g k a n s e k ti a r

  8 2 , 4 % n li a i e k s p o r n a s i o n a l , a t a u s e n li a i U S $ 1 4 , 6 m i il a r , n a i k s e k ti a r

  3 6 ,

  3 4 % d i b a n d i n g k a n d e n g a n p e ir o d e

  2 9 , ( h tt p : // w w w . d e p k o p . g o i. d i/ n d e x . p h p ? o p it o n = c o m _ c o n t e n t & v i e w = a r it c l e & i d =

  5

  5 7 : e k s p o - r - m u - k d ti a r g e t

  • t u m - b u h

  1 2 & c a it d = 5 : b i n d b e r ti a & tI e m i d =

  9 7 ) . P e r b a n k a n s e m a k i n t e r g i u r u n t u k m e n d a n a i U M K M s e b a b s e k t o r i n i t e l a h m e m b u k it k a n d a y a t a h a n n y a a t a s k ir s i s . U M K M a k a n m e n j a d i e m b ir o n y a k o r p - o r a s i k o r p o r a s i n a s i o n a l m a u p u n d u n i a . B i s n i s y a n g p u n y a d a y a t a h a n k u a t d a n m a m p u m e l a y a r i g e l o m b a n g p e r m a s a l a h a n a d a l a h

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  b i s n i s y a n g b e r a w a l d a r i y a n g k e c li . U M K M a k a n m e m b u a t b a n g s a i n i m e n j a d i b a n g s a y a n g s e j a h t e r a ( M a ir m b o , 2 8 : .)

  8 B a n k a k a n b e r u s a h a s e m a k s i m a l m u n g k i n u n t u k m e n c e g a h t e jr a d i n y a p e n u m p u k a n d a n a m a s y a r a k a t y a n g b e lr e b i h a n ( o v e r il q u i d ti y ) , s e b a b ti u h a n y a a k a n m e m b u a t b a n k m e n j a d i it d a k s e h a t . tI u s e b a b n y a d a l a m il m a t a h u n t e r a k h i r i n i t e m a u t a m a d u n i a p e r b a n k a n a d a l a h b a g a i m a n a m e m a k s i m a l k a n f u n g s i p e r b a n k a n s e b a g a i p e n g h i m p u n s e k a il g u s p e n y a l u r d a n a m a s y a r a k a t ( if n a n c i a l i n t e r m e d i a r y ) .

  M e n t e r i K o p e r a s i d a n U s a h a K e c i l M e n e n g a h ( M e n k o p U K M ) , m e n y a t a k a n , p a d a 2 6 , U M K M m e n c a p a i

  4 9 j u t a u n ti . N li a i i n v e s t a s i m e n c a p a i R p

  3

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  8

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  1 9 ,

  6

  6 6 t ir il u n . A r it n y a p e r a n a n b a n k b a r u

  2 9 , 6 % . S e d a n g k a n p e m b i a y a a n d i l u a .r P r e b a n k a n h j a u l e b i h b e s a r s e b e s a r p R 0 2 5 t ir il u n . D ti e n g a h u p a y a p e n g e m b a il a n f u n g s i p e r b a n k a n , ti I u B n d a p e m e ir n t a h s e l a l u m e n u n t u n p e r b a n k a n a p g a r b e r a il n g k e p a d a k r e d ti U M K M ( M a ir m b o ,

  2 8 : )

  1

  4 U M K M k e r a p k a l i m e n g a l a m i h a m b a t a n d a l a m m e m p e r o l e h a k s e s d a n a d a n s e ir n g d i b i a y a i m e l a l u i p r o g r a m p e m e ir n t a h y a n g c e n d e r u n g b e r s fi a t s u b s i d i a t a u s u m b e r d a n a r e l a it f m u r a h d a r i p a r a d o n o r p e r b a n k a n u n t u k p e m b e ir a n k r e d i t U M K M . P e r k e m b a n g a n k r e d i t U M K M y a n g b e r s u m b e r d a r i k r e d i t b a n k , m e n u n j u k k a n b a k i d e b e t p a d a a k h i r J u n i

  2

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  1

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  R p .

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  5 3 / P e r a n S e tr a B I d l m P e n g e m b U M K M A n d a n g S e t y o b u d i S E . p d f .)

  P e m e ir n t a h m e n a r u h p e r h a it a n s e ir u s t e r h a d a p p e tr u m b u h a n U M K M m e n g i n g a t p e r a n n y a y a n g s a n g a t p e n it n g d a l a m p e n g e m b a n g a n u s a h a d i I n d o n e s i a . U M K M j u g a m e r u p a k a n c i k a l b a k a l d a ir t u m b u h n y a u s a h a b e s a r . P e r h a it a n t e r h a d a p p e r k e m b a n g a n u s a h a m i k r o k e c i l d a n m e n e n g a h i n i t e r il h a t j e l a s d e n g a n a n g k a p e n y a l u r a n k r e d i t U M K M d a r i b e r b a g a i m a c a m l e m b a g a k e u a n g a n y a n g t e r u s m e n i n g k a t k e p a d a p a r a p e n g u s a h a U M K M d a ir t a h u n k e t a h u n .

  T a k h a n y a ti u , b a n k j u g a m e n y a l u r k a n k r e d i t U M K M d e n g a n b e r b a g a i c a r a . M i s a l n y a m e l a l u i M i rt a L i n k a g e b e r s a m a B a n k P e r k r e d ti a n R a k y a t ( B P R ) a t a u k o p e r a s i . S e m u a i n i m e n u n j u k k a n k e s e ir u s a n p e r b a n k a n u n t u k m e n y a l u r k a n k r e d i t U M K M m e l a l u i p e n d e k a t a n b i s n i s y a n g s e h a .t

  T i m b u l a n g g a p a n b a h w a u n t u k m e n i n g k a t k a n p e r k e m b a n g a n U M K M , d i p e lr u k a n b a n t u a n m o d a l . S a l a h s a t u i n d i k a t o r p e r k e m b a n g a n U M K b i s a d i il h a t d a r i p e r k e m b a n g a n o m z e t p e n j u a l a n d a n l a b a U M K . O l e h k a r e n a ti u p e n u il s i n g i n m e n g e t a h u i s e b e r a p a b e s a r p e n g a r u h k r e d i t y a n g d i b e ir k a n o l e h b a n k p a d a p a r a p e n g u s a h a m i k r o d a n k e c i l k h u s u s n y a t e r h a d a p p e n j u a l a n d a n l a b a i n d u s rt i m i k r o k e c i l t e r s e b u t . P e n u il s t e tr a ir k u n t u k m e l a k u k a n p e n e il it a n d e n g a n m o d e l s t u d i k a s u s p a d a P T . B P R B D E P A K E M . P e n u il s m e m b e ir k a n j u d u l s k ir p s i i n i “ P e n g a r u h P e n y a l u r a n K r e d i t

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  . R u m u s a n M a s a l a h B

  B e r d a s a r k a n l a t a r b e l a k a n g m a s a l a h d i a t a s , p e n u il s m e m b u a t r u m u s a n m a s a l a h s e b a g a i b e ir k u t :

  1 Ap . a k a h p e n y a l u r a n k r e d i t b e r p e n g a r u h t e r h a d a p o m z e t p e n j u a l a n p a d a u s a h a M i k r o d a n K e c li ?

  2 A . p a k a h p e n y a l u r a n k r e d i t b e r p e n g a r u h t e r h a d a p l a b a p a d a u s a h a M i k r o d a n K e c li ?

  . B a t a s a n M a s a l a h C

  D a l a m p e n e il it a n i n i p e n u il s m e n g u m p u l k a n d a t a U M K y a n g m e n g a m b i l k r e d i t d i B P R . B h a k t i D a y a E k o n o m i P a k e m p a d a b u l a n J a n u a r i s a m p a i A p ir l

  2

  1 1 .

  . T u j u a n P e n e il it a n D

  P e n e il it a n i n i b e r t u j u a n u n t u k m e n g e t a h u i a p a k a h k r e d i t y a n g d i a m b i l U s a h a M i k r o d a n K e c i l b e r p e n g a r u h t e r h a d a p p e r k e m b a n g a n u s a h a y a n g d i it n j a u d a r i o m z e t p e n j u a l a n U M K , d a n l a b a y a n g d i h a s li k a n o l e h U s a h a M i k r o d a n K e c li t e r s e b u .t

  . M a n f a a t P e n e il it a n E 1 . P T . B P R B D E .

  M e m b e ir k a n i n f o r m a s i t e n t a n g k e e f e k t fi a n p r o g r a m k r e d ti n y a t e r h a d a p p e n i n g k a t a n l a b a d a n P e n j u a l a n M i k r o d a n K e c li .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 . P e m e ir n t a h .

  D a p a t m e m b e ir k a n i n f o r m a s i k e p a d a p e m e ir n t a h t e n t a n g p e r k e m b a n g a n U M K s e t e l a h m e l a k u k a n k r e d ti , s e h i n g g a p e m e ir n t a h d a p a t m e n g e t a h u i , s e b e r a p a e f e k it f k e b ji a k a n p e m e ir n t a h m e m b i m b i n g l e m b a g a k e u a n g a n d a l a m N e g e r i u n t u k m e m u s a t k a n p e r h a it a n t e r h a d a p U M K y a ti u d e n g a n m e n i n g k a t k a n j u m l a h p e n y a l u r a n k r e d i t d a r i t a h u n k e t a h u n , d a l a m u p a y a m e n i n g k a t k a n p e tr u m b u h a n U M K y a n g m e n y o k o n g p e r e k o n o m i a n b a n g s a .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  

B A B

  I I L A N D A S A N T E O R

  I . P e r k r e d ti a n A

  1 . P e n g e r it a n K r e d ti M e n u r u t a s a l m u l a k a t a “ k r e d ti ” d a r i k a t a c r e d e r e y a n g a r it n y a a d a l a h k e p e r c a y a a n , m a k s u d n y a a d a l a h a p a b li a s e s e o r a n g m e m p e r o l e h k r e d i t m a k a b e r a tr i m e r e k a m e m p e r o l e h k e p e r c a y a a n . S e d a n g k a n b a g i s i p e m b e r i k r e d i t a r it n y a m e m b e ir k a n k e p e r c a y a a n k e p a d a s e s e o r a n g b a h w a u a n g y a n g d i p i n j a m k a n p a s t i k e m b a l .i

  K r e d i t m e r u p a k a n p e n y a l u r a n d a n a d a r i p i h a k p e m i il k d a n a k e p a d a p i h a k y a n g m e m e lr u k a n d a n a . P e n y a l u r a n d a n a t e r s e b u t b e r d a s a r k a n k e p e r c a y a a n y a n g d i b e ir k a n o l e h p e m i il k d a n a k e p a d a p e n g g u n a d a n a ( I s m a li ,

  2 1 :

  9 3 ) P e n g e r it a n “ k r e d ti ” m e n u r u t - U n d a n g U n d a n g P e r b a n k a n N o m o r

  1 t a h u n

  1

  9

  9 8 a d a l a h “ p e n y e d i a a n u a n g a t a u t a g i h a n y a n g d a p a t d i p e r s a m a k a n d e n g a n ti u , b e r d a s a r k a n p e r s e t u j u a n a t a u k e s e p a k a t a n p i n j a m m e m i n j a m a n t a r a b a n k d e n g a n p i h a k l a i n y a n g m e w a ij b k a n p i h a k p e m i n j a m m e l u n a s i u t a n g n y a s e t e l a h j a n g k a w a k t u t e tr e n t u d e n g a n p e m b e ir a n b u n g a ” .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 . T u j u a n P e m b e ir a n K r e d ti a . M e n u r u t A b d u ll a h ( 2 3 :

  7 2 ,) t u j u a n k r e d i t u n t u k m e n d a p a t k a n n li a i t a m b a h b a i k b a g i n a s a b a h s e b a g a i d e b ti u r m a u p u n b a g i b a n k s e b a g a i k r e d ti u r . B a g i n a s a b a h s e b a g a i d e b ti u r d e n g a n m e n d a p a t k a n k r e d i t b e tr u j u a n u n t u k m e n g a t a s i k e s u l ti a n p e m b i a y a a n d a n m e n i n g k a t k a n u s a h a d a n p e n d a p a t a n d i m a s a d e p a n . S e d a n g k a n b a g i b a n k s e n d ri i j u g a d i h a r a p k a n m e l a l u i p e m b e ir a n k r e d i t a k a n m e n g h a s li k a n p e n d a p a t a n b u n g a s e b a g a i p e n g g a n t i h a r g a d a r i p i n j a m a n ti u s e n d i ir . S e d a n g k a n d a r i p e n d e k a t a n m a k r o e k o n o m i , p e m b e ir a n k r e d i t m e r u p a k a n s a l a h s a t u i n s rt u m e n u n t u k m e n j a g a k e s e i m b a n g a n j u m l a h u a n g b e r e d a r d i m a s y a r a k a .t b . M e n u r u t S a n t o s o (

  1

  9

  9 4 :

  1

  1 1 ) , t u j u a n p e r k r e d ti a n h a r u s d i a r a h k a n u n t u k k e p e n it n g a n b a n k , y a ti u : 1 ) M e m b a n t u p e r k e m b a n g a n k e g i a t a n e k o n o m i s e s u a i d e n g a n k e b ji a k s a n a a n d a n p r o g r a m p e m e ir n t a h d e n g a n t e t a p m e n d a s a r k a n p a d a p e r s y a r a t a n b a n k s e c a r a t e k n i s d a n w a j a .r 2 ) M e n c a r i k e u n t u n g a n y a n g l a y a k b a g i b a n k .

  3 ) M e m b a n t p e lr u a s a n p e m a n f a a t a n j a - u s a j a s a p e r b a n k a n l a i n n y a , t a n p a m e n g a b a i k a – n p ir n s i p p ir n s i p k r e d i t ti u s e n d ri .i 3 . F u n g s i K r e d ti

  M e n u r u t I s m a li (

  2 1 : 6 9 ,) – f u n g s i f u n g s i ti u d a l a m g a ir s b e s a r n y a a d a l a h s e b a g a i b e ir k u t :

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  . a M n a k t a k g n i n e a s a j n a d g n a r a b r a k u t s u r a . . b t i d e r K n a k t a a f n a m e m k u t n u i a k a p i d g n a y t a l a n a k a p u r e m d n u f e l d i . . c t i d e r K u r a b g n a y n a r a y a b m e p t a l a n a k a t p i c n e m t a p a d . . d t i d e r K a g r a h i l a d n e g n e p t a l a i a g a b e s . . e t i d e r K g n a y i m o n o k e t a a f n a m n a k t a k g n i n e m n a d n a k fi t k a g n e m t a p a d a d a .

  . 4 s i n e J - s i n e J ti d e r K

  . a i s a k if i s a l K t i d e r K n a a n u g g n e P n a u j u T i r a D t a h il i D ) 1 t i d e r K i s a t s e v n

  I K k n a b h e l o n a k ir e b i d g n a y t i d e r k n a k a p u r e m i s a t s e v n i ti d e r g n a r a b n a a d a g n e p k u t n u r u ti b e d a d a p e k - ) p a t e t a v it k a ( l a d o m g n a r a b . n u h a t u t a s ir a d h i b e l s i m o n o k e i a li n i a y n u p m e m g n a y

  ) 2 t i d e r K a jr e K l a d o M K k u t n u n a k a n u g i d g n a y t i d e r k n a k a p u r e m a jr e k l a d o m t i d e r u t a s m a l a d s i b a h a y n a s a i b g n a y a jr e k l a d o m n a h u t u b e k i h u n e m e m

  . a h a s u s u l k i s ) 3 t i d e r K i s m u s n o K

  K a d a p e k n a k ir e b i d g n a y t i d e r k n a k a p u r e m i s m u s n o k t i d e r p n a h u t u b e k k u t n u a s a j n a d g n a r a b k u t n u h a b a s a n k a d it n a d i d a b ir a h a s u n a u lr e p e k n a k a n u g i d k u t n u

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  b . K l a s i if k a s i K r e d i t D i il h a t D a r i S e k t o r U s a h a 1 ) S e k t o r I n d u s t ir

  K r e d i t y a n g d i b e ir k a n k e p a d a n a s a b a h y a n g b e r g e r a k d a l a m s e k t o r i n d u s t ir , y a ti u s e k t o r u s a h a y a n g m e n g u b a h b e n t u k d a r i b a h a n b a k u m e n j a d i b a r a n g j a d i a t a u m e n g u b a h s u a t u b a r a n g m e n j a d i b a r a n g l a i n y a n g m e m p u n y a i f a e d a h y a n g l e b i h it n g g .i

  2 ) S e k t o r P e r d a g a n g a n K r e d i t i n i , d i b e ir k a n k e p a d a p e n g u s a h a y a n g b e r g e r a k d i b i d a n g p e r d a g a n g a n , b a i k p e r d a g a n g a n k e c li , m e n e n g a h d a n p e r d a g a n g a n b e s a .r 3 ) S e k t o r P e tr a n i a n , P e t e r n a k a n , p e ir k a n a n d a n P e r k e b u n a n

  K r e d i t i n i , d i b e ir k a n d a l a m r a n g k a m e n i n g k a t k a n h a s i l d i s e k t o r p e tr a n i a n , p e t e r n a k a n , p e ir k a n a n d a n p e r k e b u n a n . K r e d ti i n i b i a s a n y a d i b e ir k a n d a l a m b e n t u k k r e d i t m o d a l k e jr a m a u p u n i n v e s t a s i k e p a d a p e n g u s a h a t a m b a k , p e t a n i , m a u p u n n e l a y a n .

  4 ) S e k t o r J a s a K r e d i t y a n g d i b e ir k a n k e p a d a p e n g u s a h a s e k t o r j a s a m e il p u it j a s a p e n d i d i k a n , j a s a r u m a h s a k i ,t j a s a a n g k u t a n , d a n j a s a l a i n n y a .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  5 ) S e k t o r P e r u m a h a n B a n k m e m b e ir k a n k r e d i t k e p a d a d e b ti u r y a n g b e r g e r a k d i b i d a n g p e r u m a h a n . P a d a u m u m n y a , d i b e ir k a n d a l a m b e n t u k k r e d i t k o n s rt u k s i , y a ti u k r e d i t u n t u k p e m b a n g u n a n p e r u m a h a n . c . K l a s i if k a s i K r e d i t D i il h a t D a r i S e g i J a m i n a n 1 ) K r e d i t D e n g a n J a m i n a n

  K r e d i t d e n g a n j a m i n a n m e r u p a k a n k r e d i t y a n g d i d u k u n g d e n g a n j a m i n a n ( a g u n a n .) 2 ) K r e d i t T a n p a J a m i n a n

  K r e d i t y a n g d i b e ir k a n k e p a d a d e b ti u r t a n p a d i d u k u n g a d a n y a j a m i n a n . K r e d i t t e r s e b u t d i b e ir k a n a t a s d a s a r k e p e r c a y a a n y a n g d i b e ir k a n o l e h b a n k k e p a d a d e b ti u r . K r e d i t i n i m e m p u n y a i r e s i k o y a n g it n g g i k a r e n a it d a k a d a n y a p e n g a m a n k e it k a d e b ti u r w a n p r e s t a s .i d . K l a s i if k a s i K r e d i t D i il h a t D a ir j u m l a h n y a

  1 ) K r e d i t U s a h a K e c i l M e n e n g a h K r e d i t y a n g d i b e ir k a n k e p a d a p e n g u s a h a d e n g a n b a t a s a n a n t a r a R p -

  5 . . , d a n it d a k m e l e - b i h i R p

  3 5 . . , U K M s u d a h m e m i il k i m o d a l y a n g c u k u p , s e tr a a d m i n i s rt a s i y a n g l e b i h b a i k d i b a n d i n g U M K M , s e h i n g g a b a n k j u g a d a p a t m e m e n u h i p e r m o h o n a n k r e d ti n y a .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 ) K r e d i t U s a h a M i k r o K e c i l d a n M e n e n g a h K r e d i t U M K M a d a l a h k r e d i t y a n g d i b e r i k a n k e p a d a p e n g u s a h a d e n g a n s k a l a u s a h a y a n g s a n g a t k e c li . M i s a l n y a k r e d i t y a n g d i b e ir k a n b a n k k e p a d a p e n g u s a h a t e m p e , d a n p e r a c a n g a n . 3 ) K r e d i t K o r p o r a s i

  K r e d ti i n i m e r u p a k a n k r e d i t y a n g d i b e ir k a n k e p a d a d e b ti u r d e n g a n j u m l a h b e s a r d a n b i a s a n y a u n t u k d e b i t u r b e s a .r e . K l a s i if k a s i K r e d i t D i il h a t D a r i C a r a P e n a ir k a n n y a 1 ) K r e d i t S e k a il g u s

  K r e d i t s e k a il g u s b i s a d i s e b u t d e n g a n a lf o p e n d c r e d i t y a ti u k r e d i t y a n g d i c a r k a n s e k a il g u s s e s u a i d e n g a n p l a f o n d k r e d i t y a n g d i s e t u j u .i 2 ) K r e d i t B e tr a h a p

  K r e d i t y a n g p e n c a ri a n n y a it d a k s e k a il g u s , a k a n t e t a p i s e c a r a b e tr a h a p 2 , 3 , 4 k a l i p e n c a ri a n d a l a m m a s a k r e d ti . P e n c a ri a n n y a d i s e s u a i k a n d e n g a n d a n a y a n g d i b u t u h k a n o l e h d e b ti u .r

  3 ) K r e d i t R e k e n i n g K o r a n K r e d i t r e k e n i n g k o r a n m e r u p a k a n k r e d i t y a n g p e n y e d i a a n d a n a n y a d li a k u k a n m e l a l u i p e m i n d a h b u k u a n . B a n k a k a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  ) 1 .t i d e r k n a ij n a jr e p t a r u s n a g n e d t i d e r K )

  .i s a k i n u m o k n a d , n a g n a d u g r e p , ) 2 . a h a s u a i n u d a s a j r o t k e S ) 3 .t a k a r a y s a m l a i s o s a s a j r o t k e S ) 4 .s a g n a d , ri a , k ir t s il r o t k e S ) 5 .i s k u rt s n o K r o t k e S

  . d k e s t u r u n e m n a g n o l o g g n e P i m o n o k e r o t : ) 1 n a t u k g n a g n e p r o t k e S

  . a i s e n o d n I k u d u d n e p n a k u b

  I k u d u d n e p a d a p e k n a k ir e b i d g n a y t i d e r K ) 2 a d a p e k n a k ir e b i d g n a y t i d e r K

  1 . a i s e n o d n

  . c o g g n e P r u ti b e d n a g n o l o g t u r u n e m n a g n o l : )

  2 .s e m o r p t i d e r k , a y n l a s i M . ti d e r K n a ij n a jr e P t a r u S a p n a t ti d e r K

  a n a r a s n a k a n u g g n e m n a g n e d n a k u k a li d a y n n a k ir a n e p n a k g n a d e s . a y n n i a l n a u k u b h a d n i m e p t a r u s u a t a , o ri g t e y li b , k e c a p u r e b .

  5 ti d e r K n a g n o l o g g n e P M t u r u n e o s o t n a S :

  2 K g n a J ti d e r h a g n e n e M a k A 1 a r a t n : –3 n u h a t ) 3 g n a j n a P a k g n a J ti d e r K n u h a t

  M 1 i h i b e l e k a d i T : )

  . a o g g n e P u t k a w a k g n a j n a k r a s a d r e b n a g n o l : ) 1 k e d n e P a k g n a J ti d e r K n u h a t

  1 1 k u t n . n a r o p a l n a d , n a s a w a g n e p , a h a s u a t a t h a d u m r e p m e m

  2

  9 1 ( , u n a k u j u ti d t i d e r k n a g n o l o g g n e p )

  9

  4

  : 3 > . b t a fi s n a k r a s a d r e b n a g n o l o g g n e P :

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  ) 7 n i a l r o t k e S – . n i a l . e g n e P s a ti li b it k e l o k t u r u n e m n a g n o l o g :

  , h a b a s a n h e l o a g n u b n a r a y a b m e p n a b it r e t e k h a l a d a s a ti li b it k e l o K . k n a b a h a s u a t a t ir a d t a h il i d t a p a d a n a m i a g a b e s

  ) 1 r a c n a L : ) a t a p a d r e t k a d i T

  tf a r d r e v o n a k ir a n e p a n e r a k .

  ) b e m g n a y a g n u b n a k a g g n u t t a p a d r e t k a d i T n a l u b 2 i u a p m a l .

  ) 2 r a c n a l g n a r u K : ) a g n a y n a m a j n i P t a p a d r e t n a d u t k a w h u t a j m u l e b o tf a r d r e v a n e r a k b n a d n a k ir a n e p t n a d n a l u b 3 i u a p m a l e m m u l e a g n u b n a k a g g n u

  . n a l u b 3 i u a p m a l e m m u l e b n a d n a l u b 2 i u a p m a l e m h a l e t g n a y

  ) b m u l e b n a d u t k a w h u t a j h a l e t g n a y n a m a j n i P ,r m u l e b i p a t e t a y a b i d

  . n a l u b 3 i u a p m a l e m ) 3 n a k u g a ri D :

  A n a m a j n i p a li b a p a ir e ti r k i h u n e m e m k a d it , r a c n a l g n a r u k n a d r a c n a l b i p a t e t r a j a w g n a y n a i a li n e p n a k r a s a d r e :

  ) a a s i b h i s a m t u b e s r e t n a m a j n i P t i d e r k n a n i m a j n a d n a k t a m a l e s i d

  .r u ti b e d g n a t u h i r a d %

  5 7 i a li n r e b ) b

  P t i d e r k n a n i m a j i p a t e t n a k t a m a l e s i d t a p a d k a d it t u b e s r e t n a m a j n i .r u ti b e d g n a t u h i r a d % 1 i a li n r e b h i s a m

  ) 4 t e c a M :

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  b ) M e m e n u h i k r ti e ir a d ri a g u k a n , t e t a p i d a l a m w a k t u

  1 8 b u l a n s e j a k d i g o l o n g k a n b e l u m a d a p e l u n a s a n a t a u u s a h a p e n y e l a m a t a n y a n g t e r c e r m i n d i d a l a m a k a d p e n y e l a m a t a n p i n j a m a n .

  • – 6 . P ir n s i p p ir n s i p p e r k r e d ti a n a . P ir n s i p y a n g m e n j a d i a c u a n b a g i p e jr a n ij a n k r e d i t y a n g p e tr a m a p ir n s i p k e p e r c a y a a n . H a l i n i b e lr a k u b a i k b a g i k r e d ti u r a t a u p u n d e b ti u r . B a g i k r e d ti u r k e p e r c a y a a n b a h w a k r e d i t y a n g d i k u c u r k a n a k a n b e r m a n f a a t d a l a m u s a h a d a n a k a n d i p e r g u n a k a n s e s u a i t u j u a n n y a o l e h d e b ti u r s e s u a i d e n g a n y a n g t e l a h d i p e jr a n ij k a n . B a g i d e b ti u r k e p e r c a y a a n o l e h k r e d ti u r b a h w a d e b ti u r d a p a t m e m b a y a r k e m b a l i k r e d ti n y a d e n g a n t e p a t w a k t u d a n l a n c a .r

  b . P ir n s i p – k e h a it h a it a n a t a u p r u d e n t

  S e s u n g g u h n y a s e m u a p e k e jr a a n t e r m a s u k p e r k r e d ti a n d ti u n t u t k a n a d a n y a k e h a it h - a – it a n d a r i m a s i n g m a s i n g p i h a k . D i il h a t d a r i s u d u t p e m b e r i k r e d i t y a ti u p i h a k b a n k b a h w a p ir n s i – p k e h a it h a it a n p e lr u m e n d a p a t p e r h a it a n u t a m a k a r e n a k o n d i s i d a n a t m o s f e r m a s a k i n i b e r b e d a , s e h i n g g a it n g k a t p e n g h a it h a it a n n y a b a g i k r e d – ti u – r b e n a r b e n a r d i it n g k a t k a n . B a n y a k d i d e n g a r b a h w a d e b ti u r m a s a k i n ,i j a m a n s e k a r a n g j a u h l e b i h ” c e r d i k ” d a n d e b ti u r it d a k s e l a m a n y a d a l a m p o s i s i ” l e m a h ” . M u n g k i n s e c a r a y u ir d i s , a k a n t e t a p i d a l a m r e a l ti a n y a j u s rt u b a

  • – n k d a l a m p i h a k y a n g l e m a h , p ir n s i p k e h a it h a it a n j u g a h a r u s d i b a r e n g i d e n g a n p ir n s i p p e n g a w a s a n d a r i k r e d ti u r , t e r u t a m a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  . a y n n i a l k n a b a s a j n a k ir e b m e m B a y s a m s a ti v it k a n a k h a d u m e m g n a y a n a r a s n a k a p u r e m k n a t a k a r , i s a t s e v n i k u t n u n u p u a m n a a g a i n r e p l a h m a l a d , g n a u n a p m i y n e m k u t n u D t a g n a s g n a y i s u ti t s n i u t a s h a l a s n a k a p u r e m n a k n a b r e p a i n u . n a p e d a s a m a r a g e n u t a u s n a i m o n o k e r e p g n a d i b m a l a d n a r e p r e b

  9 S 1 ( o s o t n a :4-6 ,) n a d i s g n u f l a n e g n e m h i b e l t a p a d k u t n u r e p a a j n e m n a k a d e b i d u lr e p k n a b , a y n n a n k o p m o l e k a p a r e b e b i d :

  9

  4

  M t u r u n e

  . 2 n a k o p m o l e g n e P k n a B

  1 .t 2 / m o c o p s g o l b . y t e z y n n u // : p tt h t a - l m t h . k n a b ).

  2

  ( g n a d i b i d a y n s u s u h k n a a y a i b m e p ) n a i m o n o k e r e p , ( a f n a m / 3 /

  , n a k a d a g n e m u l a l e s n a g n e d u ti a y ti d e r k n a ir e b m e p i r a d l u b m it ti d e r k a n a m h u a j e s n a s a w a g n e p – i a u s e s n a k a n u g r e p i d t u b e s r e t t i d e r k A i r a s a d n e m e m s il a n o i s e f o r p s a s . a y n n a u j u t n a g n e d i a u s e s k a d it u a t a s a g u t – r u ti d e r k s a g u t .

  . B B k n a .

  I R , i t u p il e m n a k n a b r e p a h a s u a w h a b n a k l u p m i s i d t a p a d n a k n a b r e p g n a t n e t

  9 T 1 n u h a N 1 o

  9

  8

  9 N 1 r e b m e v o 1 l a g g n a t

  9

  8

  1 n a B n a it r e g n e P k U U t u r u n e M

  , a n a d n u p m i h g n e m u ti a y , n a t a i g e k a g it , n a d a n a d n a k r u l a y n e m

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M e n u r u t f u n g s i n y a : 1 ) B a n k S e n rt a l , a d a l a h b a n k y a n g m e r u p a k a n b a d a n h u k u m m i il k N e g a r a y a n g t u g a s p o k o k n y a m e m b a n t u p e m e ir n t a h d a l a m : a ) M e n g a t u r , m e n j a g a , d a n m e m e il h a r a k e s t a b li a n n li a i r u p i a h . b ) M e n d o r o n g k e l a n c a r a n p r o d u k s i d a n p e m b a n g u n a n s e tr a m e m p e lr u a s k e s e m p a t a n k e jr a g u n a m e n i n g k a t k a n t a r a f h i d u p r a k y a .t c ) M e m p u n y a i h a k t u n g g a l u n t u k m e n g e l u a r k a n u a n g k a tr a l ( u a n g r e s m i d a r i p e m e ir n t a h , y a n g b e r u p a u a n g k e r t a s d a n u a n g l o g a m .)

  T u – g a s t u g a s b a n k y a n g l a i n n y a a d a l a h : a ) M e m a j u k a n d a n m e n g a w a s i p e r k e m b a n g a n p e r k r e d ti a n . b ) M e l a k u k a n p e m b i n a a n t e r h a d a p a - b n k b a n k y a n g a d a d i N e g a r a t e r s e b u t , b a i k ti u b a n k p e m e ir n t a h , b a n k s w a s t a , m a u p u n b a n k s w a s t a a s i n g . 2 ) B a n k u m u m , a d a l a h b a n k y a n g s i m p a n a n u t a m a n y a b e r a s a l d a r i s i m p a n a n m a s y a r a k a ,t t e r u t a m a g ri o , t a b u n g a n , d a n d e p o s ti o ; s e tr a p e m b e ir a n k r e d ti j a n g k a p e n d e k d a l a m p e n y a l u r a n d a n a n y a , c o n t o h : a ) B a n k u m u m p e m e ir n t a h : B R

  I , B N I , B B D b ) B a n k u m u m s w a s t a : B C A , B U N , B

  I I c ) B a n k u m u m s w a t a a a s i n g : C i it b a n k 3 ) B a n k P e m b a n g u n a n a d a l a h b a n k y a n g d a l a m p e n g u m p u l a n d a n a n y a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  s e tr a C o m m e r is a l P a p e r n j a g k a m e n e n g a h d a n p a n j a n g . U s a h a u t a m a n y a a d a l a h m e m b e ir k a n k r e d ti j a n g k a m e n e n g a h d a n p a n j a n g d i b i d a n g p e m b a n g u n a n . C o n t o h : B a n k P e m b a n g u n a n I n d o n e s i a ( B a p i n d o ) 4 ) B a n k D e s a a d a l a h k a n t o r b a n k d i s u a t u d e s a y a n g t u g a s u t a m a n y a a d a l a h m e l a k u k a n f u n g s i p e r k r e d ti a n d a n p e n g h i m p u n a n d a n a d a l a m r a n g k a p r o g r a m p e m e ir n t a h m e m a j u k a n s e k t o r p e d e s a a n s e tr a p e n i n g k a t a n p r o d u k s i p e tr a n i a n , k h u s u s n y a p a n g a n .

  

,

  5 ) B a n k P e r k r e d ti a n R a k y a t a d a l a h k a n t o r b a n k d i k o t a k e c a m a t a n y a n g m e r u p a k a n u n s u r p e n g h i m p u n a n d a n a m a s y a r a k a t m a u p u n m e n y a l u r k a n d a n a n y a d i s e k t o r p e tr a n i a n / p e d e s a a n . b . M e n u r u t P e m i il k a n n y a : 1 ) B a n k P e m e ir n t a h , a d a l a h b a n k y a n g m o d a l n y a b e r a s a l d a r i k e k a y a a n N e g a r a y a n g d i p i s a h k a n d a n p e n d i ir a n n y a d i b a w a h

  • – u n d a n g u n d a n g t e r s e n d i ir . B a n k p e m e ir n t a h a t a u j u g a b i a s a d i s e b u t s e b a g a i B a n k N e g a r a , t e r d ri i d a r i b e b e r a p a j e n i s , y a ti u B a n k U m u m , B a n k T a b u n g a n d a n B a n k P e m b a n g u n a n . C o n t o h : B N

  I , B R I , B T N , B E

  I I , B D N , B a p i n d o . 2 ) B a n k P e m b a n g u n a n D a e r a h , a d a l a h b a n k y a n g p e n d i ir a n n y a b e r d a s a r k a n p e r a t u r a n d a e r a h it n g k a t

  I d a n s e b a g i a n b e s a r s a h a m n y a d i m i il k i o l e h P e m e ir n t a h D a e r a h T i n g k a t

  I I d i w li a y a h b e r s a n g k u t a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  d a n m o d a l n y a m e r u p a k a n h a tr a k e k a y a a n m i il k p e m e ir n t a h d a e r a h y a n g d i p i s a h k a n . C o n t o h : B a n k D K I , B a n k J a b a .r 3 ) B a n k S w a s t a N a s i o n a ,l a d a l a h b a n k m i il k s w a s t a y a n g d i d i ir k a n d a l a m b e n t u k h u k u m p e r s e r o a n t e r b a t a s d i m a n a s e l u r u h s a h a m n y a d i m i il k i o l e h W N

  I d – a n a t a u b a d a n b a d a n h u k u m d i I n d o n e s i a , s e tr a p e n g e l o l a a n m a n a j e m e n y a d ti a n g a n i o l e h p a r a W N I ti u s e n d i ir . B a n k s w a s t a t e r d ri i d a r i B a n k U m u m , B a n k T a b u n g a n , d a n B a n k P e m b a n g u n a n . C o n t o h : B C A , L I P P O , B a n k N i a g a .

  4 ) B a n k S w a s t a A s i n g , a d a l a h b a n k y a n g d i d i ir k a n d a l a m b e n t u k c a b a n g b a n k y a n g s u d a h a d a d i l u a r n e g e r i a t a u d a l a m b e n t u k c a m p u r a n a n t a r a b a n k a s i n g d e n g a n b a n k n a s i o n a l d i I n d o n e s i a . D i I n d o n e s i a b a n k a s i n g h a n y a d i p e r k e n a n k a n m e n j a l a n k a n u s a h a n y a d i il m a k o t a b e s a r d i

  I n d o n e s i a . C o n t o h : L o n g T e r m C r e d i – t B a n k B C A , B a n k O f A m e ir c a .

  5 ) B a n k K o p e r a s ,i a d a l a h b a n k y a n g p e n g o p e r a s i a n n y a b e lr a n d a s k a n h u k u m k o p e r a s i d a n a n g g o t a n y a t e r d ri i – d a r i b a d a n b a d a n h u k u m k o p e r a s .i C o n t o h : B u k o p i n ( B a n k U m u m K o p e r a s i I n d o n e s i a .)

  .f B e r d a s a r k a n k e g i a t a n o p e r a s i o n a l n y a ( h u b u n g a n f o r m a l :) 1 ) B a n k D e v i s a , a d a l a h b a n k y a n g m e m p u n y a i h a k d a n w e w e n a n g y a n g d i b e ir k a n o l e h b a n k I n d o n e s i a u n t u k m e l a k u k a n rt a n s a k s i v a l u t a a s i n g d a n l a l u il n t a s d e v i s a s e tr a h u b u n g a n k o r e s p o n d e n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  d e n g a n b a n k a s i n g d i l u a r n e g e ir . C o n t o h : B C A , P a n i n B a n k , B a n k N i a g a .

  2 ) B a n k S w a s t a N o n -D e v i s a , a d a l a h b a n k y a n g d a l a m o p e r s i o n a l n y a h a n y a m e l a k s a n a k a n rt a n s a k s i d i d a l a m n e g e r i ( r u p i a h ) d a l a m b e n t u k s i m p a n a n d a n p i n j a m a n s e tr a it d a k m e l a k s a n a k a n rt a n s a k s i v a l u t a a s i n g a t a u h u b u n g a n d e n g a n l u a r n e g e ir . B a n k s w a s t a n o n d e v i s a b i a s a n y a m e m i n t a b a n t u a n b a n k d e v i s a a p a b li a a k a n m e l a k s a n a k a n rt a n s a k s i v a l u t a a s i n g a t a u h u b u n g a n k o r e s p o n d e n d e n g a n b a n k d a ir l u a r n e g e ir . C o n t o h : Y A M A B a n k , G U N A B a n k , S y n e r g y B a n k . g e . B r d a s a r k a n p e n c i p t a a n u a n g g ri a :l 1 ) B a n k P ir m e ,r a d a l a h b a n k y a n g d a l a m k e g i a t a n o p e r s i o n a l n y a it d a k h a n y a s e k e d a r m e n g u m p u l k a n d a n a d a n m e n y a l u r k a n p i n j a m a n , t e t a p i j u g a m e l a k s a n a k a n s e g a l a m a c a m rt a n s a k s i y a n g b e r h u b u n g a n l a n g s u n g d e n g a n k a s , s e p e tr i m e n e r b ti k a n c e k a t a u b li y e t g ri o , s e tr a i k u t d a l a m rt a n s a k s i k il ir n g y a n g d i s e l e n g g a r a k a n o l e h B I , d a n m e r u p a k a n b a n k y a n g b e r d ri i s e n d i ir , it d a k t e r g a n t u n g b a n k l a i n . C o n t o h : L

  I P P O , B C A , B a n k D u t a , B U N . 2 ) B a n k S e k u n d e ,r a d a l a h b a n k y a n g k e g i a t a o p e r s i o n a l n y a s e k e d a r m e l a y a n i rt a n s a k s i k a s l a n g s u n g , s e p e tr i p e n c a ri a n k w ti a n s i d a n p e m b e ir a n p i n j a m a n . D a l a m h a l i n i , p e l a y a n a n rt a n s a k s i k a s y a n g l a i n s e p e tr i p e n e r b ti a n c e k d a n b li y e t g ri o s e tr a k e i k u t s e tr a a n n y a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  d a l a m k il ir n g , b a n k s e k u n d e r b i a s a n y a m e m b u k a r e k e n i n g d i b a n k p ir m e r u n t u k m e m b a n t u rt a n s a k s i n y a . C o n t o h : B a n k P a s a r d a n B a n k D e s a . h . B e r d a s a r k a n s i s t e m o r g a n i s a s :i 1 ) U n i t B a n k i n g , a d a l a h s i s t e m o r g a n i s a s i p e r b a n k a n d i m a n a j a s a p e r b a n k a n h a n y a d i b e ir k a n m e l a l u i s a t u k a n t o r b a n k s a j a , it d a k l e b i h d a n it d a k k u r a n g . S a t u b a n k h a n y a m e m p u n y a i s a t u k a n t o r o a p e r s i o n a .l S i s t e m i n i it m b u l d a r i k e b i a s a a n d i m a n a b a n k h a n y a m e m b a t a s i d ri i p a d a p e l a y a n a n y a n g k e c i l d a n p e m i il k it d a k m a u d i c a m p u r i o l e h o r a n g l a i n . U n i t b a n k m e r u p a k a n e m b ir o t u m b u h n y a

  B r a n c h B a n k i n g k a r e n a s fi a t o p e r a s i n y a y a n g k e c li . U n i t b a n k it d a k

  b a i s b e r k e m b a n g m e n j a d i b e s a r ij k a it d a k m a u m e m b u k a d ri i t e r h a d a p p e n g e m b a n g a n s i s t e m o r g a n i s a s i y a n g l a i n .

  2 ) B r a n c h B a n k i n g , a d a l a h s i s t e m o p e r s i o n a l b a n k y a n g k e g i a t a n n y a p a d a d u a t e m p a t a t a u l e b i h . – C a b a n g c a b a n g i n i d i k e n d a il k a n s e tr a d i a w a s i o l e h k a n t o r p u s a t n y a . C a b a n g d a n k a n t o r p u s a t i n i it d a k s e l a l u b e r a d a d i l a i n k o t a , a k a n t e t a p i m a s i h b i sa b e r a d a d i s a t u k o t a y a n g s a m a n a m u n d e n g a n t e m p a t y a n g b e lr a i n a n , it d a k p a d a s a t u l o k a s .i

  3 ) C o r r e s p o n d e n t B a n k i n g , a d a l a h h u b u n g a n s i s t e m a n t a r b a n k d i m a n a t e r d a p a t s u a t u p e n g a t u r a n i n f o r m a s i a n t a r b a n – k , s e h i n g g a b a n k b a n k k e c i l m e m p u n y a i d e p o s i – t p a d a b a n k b a n k b e s a r u n t u k

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  m e m b a n t u j a s a p e l a y a n a n n y a ( m i s a l n y a : rt a n s f e r u a n g ) .

  C o r r e s p o n d e n t B a n k i n g b e r o p e r a s i b a i k d i d a l a m s u a t u d a e r a h , j u g a s e c a r a n a s i o n a l m a u p u n i n t e r n a s i o n a l .

  3 . M a n f a a t B a n k I n li a h b e b e r a p a m a n f a a t p e r b a n k a n d a l a m k e h i d u p a n : a . S e b a g a i m o d e l i n v e s t a s i , y a n g b e r a r it , rt a n s a k s i d e ir v a it f d a p a t d ji a d i k a n s e b a g a i s a l a h s a t u m o d e l b e ir n v e s t a s i . W a l a u p u n p a d a u m u m n y a m e r u p a k a n j e n i s i n v e s t a s i j a n g k a p e n d e k ( y i e l d

  e n h a n c e m e n t ) .

  b . S e b a g a i c a r a il n d u n g n li a i , y a n g b e r a r it , rt a n s a k s i d e ir v a it f d a p a t b e r f u n g s i s e b a g a i s a l a h s a t u c a r a u n t u k m e n g h li a n g k a n ir s i k o d e n g a n j a l a n il n d u n g n li a i ( h e d g i n g ) , a t a u d i s e b u t j u g a s e b a g a i r si k m a n a g e m e n t . c . I n f o r m a s i h a r g a , y a n g b e r a r it , rt a n s a k s i d e ir v a it f d a p a t b e r f u n g s i s e b a g a i s a r a n a m e n c a r i a t a u m e m b e ir k a n i n f o r m a s i t e n t a n g h a r g a b a r a n g k o m o d i it t e tr e n t u d i k e m u d i a n h a ir ( p r i c e d si c o v e r y ) . d . F u n g s i s p e k u l a t fi , y a n g b e r a r it , rt a n s a k s i d e ir v a it f d a p a t m e m b e ir k a n k e s e m p a t a n s p e k u l a s i ( u n t u n g u n t u n g a n ) t e r h a d a p p e r u b a h a n n li a i – p a s a r d a r i rt a n s a k s i d e ir v a it f ti u s e n d i ir . e . F u n g s i m a n a j e m e n p r o d u k s i b e jr a l a n d e n g a n b a i k d a n e if s i e n , y a n g b e r a r it , rt a n s a k s i d e ir v a it f d a p a t m e m b e ir k a n g a m b a r a n k e p a d a m a n a j e m e n p r o d u k s i s e b u a h p r o d u s e n d a l a m m e n li a i s u a t u

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  )

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  S k u t n e b m u m u a r a c e K li c e n a d o r k i M a h a s U h a l a d a n a d o r k i M a h a s U

  4 B n a h a – u k a b n a h a b , h i s a m a y n a h a s u n a t a i g e k k u t n u h e l o r e p i d g n a y il u s fi t a l e r g n e p h e l o i r a c i d t u li c e K n a d o r k i M a h a s .

  )

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  , i s a m n a k h a b n r e d o m i m e s t a fi s r e b .l a n o i s i d a rt a r a c e s n a k a jr e k i d h

  , n a k u t n e ti d g n a y a n a m i a g a b e s n a k il i m e p e k a tr e s , n a n u h a t n a t a p a d n e p m a l a d g n a d n U – p u k a c n e m i n i s i d n a it r e g n e P . " i n i g n a d n U M o r k i a h a s U

  , n e r a k a y n a h a s u n a k t a k g n i n e m h i s a m n a k a n u g i d g n a y i g o l o n k e t a

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  . n a k n a b r e p a s a j p a d a h r e t g n a j n u )

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  . g n a n e w r e b . a n a a d e b r e P li c e K n a d o r k i M a h a s U h a s u n a g n e d . a y n n i a l a

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  b . P e n g g o l o n g a n U s a h a M i k r o d a n K e c li d i I n d o n e s i a 1 ) U s a h a P e r o r a n g a n M e r u p a k a n u s a h a d e n g a n k e p e m i il k a n t u n g g a l d a r i j e n i s u s a h a y a n g d i k e jr a k a n , y a n g b e tr a n g g u n g j a w a b k e p a d a p i h a k k e it g a / p i h a k l a i n . M a j u m u n d u r n y a u s a h a n y a t e r g a n t u n g d a r i k e m a m p u a n p e n g u s a h a t e r s e b u t d a l a m m e l a y a n i k o n s u m e n n y a .

  H a tr a k e k a y a a n m i il k p ir b a d i d a p a t d ji a d i k a n m o d a l d a l a m k e g i a t a n u s a h a n y a .

  2 ) U s a h a P e r s e k u t u a n P e n g g o l o n g a n U s a h a M i k r o d a n K e c li y a n g b e r b e n t u k p e r s e k u t u a n m e r u p a k a n k e jr a s a m a d a r i p i h a k p i h a k y a n g b e tr a n g g u n g j a w a – b s e c a r a p ir b a d i t e r h a d a p k e jr a p e r u s a h a a n d a l a m m e n j a l a n k a n b i s n i s .

  S e d a n g k a n , p a d a h a k e k a t n y a p e n g g o l o n g a n U s a h a M i k r o d a n K e c li , y a ti u : a )

  I n d u s rt i k e c li , s e p e r it : i n d u s rt i k e r a ij n a n t a n g a n , i n d u s rt i r u m a h a n , i n d u s t ir l o g a m , d a n l a i n s e b a g a i n y a . b ) P e r u s a h a a n b e r s k a l a k e c li , s e p e r it : t o s e r b a , m i n i m a r k e t , k o p e r a s i , d a n s e b a g a i n y a . c ) U s a h a i n f o r m a l , s e p e r it : p e d a g a n g k a k i il m a y a n g m e n j u a l – b a r a n g b a r a n g k e b u t u h a n p o k o k .

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4 M h a l a s a - a h a s u h e l o i p a d a h i d g n a y h a l a s a m

  )

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  5 B k a y n a K M U m u l e b g n a y e l b a k n a b l e b n a k b a b e s i d k i a b , m u a y n g n a r u k n u p u a m n a r a p s n a rt g n a y n a g n a u e k n e m e j a n a m a y n a d a n a d l a ir e j a n a m n a u p m a m e k s n a n if .l a i

  )

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  )

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  2 T g n a y n a t a k e d n e p a y n a d a k a d i n a a n a d n e p m a l a d s it a m e t s i s K M U .

  .

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  )

  3 S 2 ( o n o j d r a h u t u r u n e M S m u m u a r a c e K M U ir i d n e s , n a d l a i s n a n if h a l a s a m u ti a y a m a t u n a h a l a s a m r e p a u d i p a d a h g n e m M k u s a m r e t g n a y h a l a s a . ) n e m e j a n a m i s a s i n a g r o ( l a i s n a n if n o n h a l a s a m h a l a s a m m a l a d : h a l a d a a y n a r a t n a i d l a i s n a n if

  9 8 :

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  . k a y n a b m u l e b s i n s i b . 1 l a n r e t s k E n a d l a n r e t n I h a l a s a M

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  a h a s u r e p r a t n a i d n a t u k ir e b i a g a b e s a y n a r a t n a : ) a . h a m e l g n a y g n u k u d n e p i rt s u d n

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  , s a t a i d a m a t u n a h a l a s a m r e p a u d K M U a g u j n a h a l a s a m r e p i p a d a h g n e m

  ) d K n a m a h a m e p a y n g n a r u d n a g n a u e k i a n e g n e m .i s n a t n u k a n a D g n i p m a s i

  ) a y n g n a r u k a r a c e s M D S ( a i s u n a m a y a d r e b m u s n a s a t a b r e t e M D S n a k g n a b m e g n e m k u t n u a y a d r e b m u s .

  K M U k u t n u e m n a k a i d e y n / k u d o r p n a y a s a j .r a s a p n a n i g n i e k n a g n e d i a u s e s g ) c K

  K M U i a n e g n e m , n a u p m a m e k n a s a t a b t e t e k a n e r a k n i a l e s r a s a p

  ) b K , b e l o n a k b a b e s i d g n a y n a r a s a m e p n a c t a n a u h a t e g n e p a y n g n a r u h e l o u a k g n a ji d t a p a d g n a y i s a m r o f n i a y n s a t a b r e t

  k u t n u n a t a p m e s e k a y n m i n i m h e l o n a k b a b e s i d g n a y n a k i d i d n e p a y n g n a r u k a tr e s i g o l o n k e t n a g n a b m e k r e p i t u k i g n e m n a h it a l e p n a d .

  e g a k n il

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  S e b a g i a n b e s a r U s a h a M i k r o d a n K e c li t u m b u h s e c a r a rt a d i s i o n a l d a n m e r u p a k a n u s a h a k e l u a r g a y a n g t u r u n t e m u r u n .

  K e t e r b a t a s a n k u a l ti a s S D M U s a h a M i k r o d a n K e c li b a i k d a r i s e g i p e n d i d i k a n f o r m a l m a u p u n p e n g e t a h u a n d a n k e t e r a m p li a n n y a s a n g a t b e r p e n g a r u h t e r h a d a p m a n a j e m e n p e n g e l o l a a n u s a h a n y a , s e h i n g g a u s a h a t e r s e b u t s u il t u n t u k b e r k e m b a n g d e n g a n o p it m a l . D i s a m p i n g ti u d e n g a n k e t e r b a t a s a n k u a l ti a s S D M n y a , u n i t u s a h a t e r s - e b u t r e l a it f s u il t u n t u k m e n g a d o p s i p e r k e m b a n g a n t e k n o l o g i b a r u u n t u k m e n i n g k a t k a n d a y a s a i n g p r o d u k y a n g d i h a s li k a n n y a . a ) L e m a h n y a J a ir n g a n U s a h a d a n K e m a m p u a n P e n e rt a s i P a s a .r

  U s a h a M i k r o d a n K e c li y a n g p a d a u m u m n y a m e r u p a k a n u n i t u s a h a k e l u a r g a , m e m p u n y a i j a ir n g a n u s a h a y a n g s a n g a t t e r b a t a s d a n k e m a m p u a n p e n e rt a s i p a s a r y a n g r e n d a h , d ti a m b a h l a g i p r o d u k y a n g d i h a s li k a n j u m l a h n y a s a n g a t t e r b a t a s d a n m e m p u n y a i k u a l ti a s y a n g k u r a n g k o m p e t ti fi . B e r b e d a d e n g a n u s a h a b e s a r y a n g t e l a h m e m p u n y a i j a ir n g a n y a n g s u d a h s o il d s e tr a d i d u k u n g d e n g a n t e k n o l o g i y a n g d a p a t m e n j a n g k a u i n t e r n a s i o n a l d a n p r o m o s i y a n g b a i k . b ) M e n t a l ti a s P e n g u s a h a U M K .

  H a l p e n it n g y a n g s e ir n g k a l i p u l a t e lr u p a k a n d a l a m s e it a p p e m b a h a s a n m e n g e n a i U M K , y a ti u s e m a n g a t e n t r e p r e n e u r s h i p p a r a p e n g u s a h a U M K ti u s e n d i ir . S e m a n g a t y a n g d i m a k s u d d i s i n i ,

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  a n t a r a l a i n k e s e d i a a n t e r u s b e ir n o v a s i , u l e t t a n p a m e n y e r a h , m a u b e r k o r b a n s e tr a s e m a n g a t i n g i n m e n g a m b i l ir s i k o . S u a s a n a p e d e s a a n y a n g m e n j a d i l a t a r b e l a k a n g d a r i U M K s e ir n g k a l i m e m i il k i a n d i l j u g a d a l a m m e m b e n t u k k i n e jr a . S e b a g a i c o n t o h , r ti m e k e jr a U M K d i d a e r a h b e jr a l a n d e n g a n s a n t a i d a n k u r a n g a k it f s e h i n g g a s e ir n g k a l i m e n j a d i p e n y e b a b h li a n g n y a

  • k e s e m p a t a n k e s e m p a t a n y a n g a d a . c ) K u r a n g n y a T r a n s p a r a n s .i

  K u r a n g n y a rt a n s p a r a n s i a n t a r a g e n e r a s i a w a l p e m b a n g u n U M K t e r s e b u t t e r h a d a p g e n e r a s i s e l a n j u t n y a . B a n y a k i n f o r m a s i d a n j a ir n g a n y a n g d i s e m b u n y i k a n d a n it d a k d i b e r ti a h u k a n k e p a d a p i h a k y a n g s e l a n j u t n y a m e n j a l a n k a n u s a h a t e r s e b u t s e h i n g g a h a l i n i m e n i m b u l k a n k e s u l ti a n b a g i g e n e r a s i p e n e r u s d a l a m m e n g e m b a n g k a n u s a h a n y a . b . F a k t o r E k s t e r n a l 1 )

  I k il m U s a h a B e l u m S e p e n u h n y a K o n d u s fi U p a y a p e m b e r d a y a a n U s a h a M i k r o K e c i l ( U M K ) d a r i t a h u n k e t a h u n s e l a l u d i m o n ti o r d a n d i e v a l u a s i p e r k e m b a n g a n n y a d a l a m h a l k o n t ir b u s i n y a t e r h a d a p p e n c i p t a a n p r o d u k d o m e s it k b r u t o ( P D B ) , p e n y e r a p a n t e n a g a k e jr a , e k s p o r d a n p e r k e m b a n g a n p e l a k u u s a h a n y a s e tr a k e b e r a d a a n i n v e s t a s i U s a h a M i k r o d a n

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  i( n v e s t a s )i . K e s e l u r u h a n i n d i k a t o r e k o n o m i m a k r o t e r s e b u t s e l a l u d ji a d i k a n a c u a n d a l a m p e n y u s u n a n k e b ji a k a n p e m b e r d a y a a n U M K s e tr a m e n j a d i i n d i k a t o r k e b e r h a s li a n p e l a k s a n a a n k e b ji a k a n y a n g t e l a h d li a k s a n a k a n p a d a t a h u n s e b e l u m n y a . K e b ji a k s a n a a n P e m e ir n t a h u n t u k m e n u m b u h k e m b a n g k a n U M K , m e s k i p u n d a r i t a h u n k e t a h u n t e r u s d i s e m p u r n a k a n , n a m u n d ri a s a k a n b e l u m s e p e n u h n y a k o n d u s fi . H a l i n i t e r il h a t a n t a r a l a i n m a s i h t e jr a d i n y a p e r s a i n g a n y a n g k u r a n g s e h a t a n t a r a – p e n g u s a h a p e n g u s a h a M i k r o d a n K e c li d a n m e n e n g a h d e n g a n p e – n g u s a h a p e n g u s a h a b e s a .r K e n d a l a l a i n y a n g d i h a d a p i o l e h U M K a d a l a h m e n d a p a t k a n p e ir ij n a n u n t u k m e n j a l a n k a n u s a h a m e r e k a . K e l u h a n y a n g s e ir n g k a l i t e r d e n g a r m e n g e n a i b a n y a k n y a p r o s e d u r y a n g h a r u s d ii k u t i d e n g a n b i a y a y a n g it d a k m u r a h , d ti a m b a h l a g i d e n g a n j a n g k a w a k t u y a n g l a m a . H a l i n i s e d i k i t b a n y a k t e r k a i t d e n g a n k e b ji a k a n p e r e k o n o m i a n P e m e ir n t a h y a n g d i n li a i it d a k m e m i h a k p i h a k k e c i l s e p e tr i U M K t e t a p i l e b i h m e n g a k o m o d i r k e p e n it n g a n d a r i p a r a p e n g u s a h a b e s a .r

  2 ) T e r b a t a s n y a S a r a n a d a n P r a s a r a n a U s a h a .

  K u r a n g n y a i n f o r m a s i y a n g b e r h u b u n g a n d e n g a n k e m a j u a n li m u p e n g e t a h u a n d a n t e k n o l o g i , m e n y e b a b k a n s a r a n a d a n p r a s a r a n a y a n g m e r e k a m i il k i j u g a it d a k c e p a t b e r k e m b a n g d a n k u r a n g m e n d u k u n g k e m a j u a n u s a h a n y a s e b a g a i m a n a y a n g d i h a r a p k a n .

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  u n t u k m e n j a l a n k a n u s a h a n y a y a n g d i s e b a b k a n k a r e n a m a h a l n y a h a r g a s e w a a t a u t e m p a t y a n g a d a k u r a n g s rt a t e g i .s 3 ) P u n g u t a n L i a r

  P r a k t e k p u n g u t a n it d a k r e s m i a t a u l e b i h d i k e n a l d e n g a n p u n g u t a n il a r m e n j a d i s a l a h s a t u k e n d a l a j u g a b a g i U M K . H a l i n i it d a k h a n y a t e jr a d i s e k a l i n a m u n d a p a t b e r u l a n g k a l i s e c a r a p e ir o d i k , m i s a l n y a s e it a p m i n g g u a t a u s e it a p h a r .i

  4 ) I m p il k a s i O t o n o m i D a e r a h D e n g a n b e lr a k u n y a - U n d a n g u n d a n g N o .

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  9 9 t e n t a n g P e m e ir n t a h a n D a e r a h y a n g k e m u d i a n d i u b a h d e n g a n U U N o .

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  2 4 , k e w e n a n g a n d a e r a h m e m p u n y a i o t o n o m i u n t u k m e n g a t u r d a n m e n g u r u s m a s y a r a k a t s e t e m p a t . P e r u b a h a n s i s t e m i n i a k a n m e m p u n y a i i m p il k a s i t e r h a d a p p e l a k u b i s n i s k e c i l d a n m e n e n g a h b e r u p a - p u n g u t a n p u n g u t a n b a r u y a n g d i k e n a k a n p a d a U M K . J i k a k o n d i s i i n i it d a k s e g e r a d i b e n a h i m a k a a k a n m e n u r u n k a n d a y a s a i n g U M K . D i s a m p i n g ti u , s e m a n g a t k e d a e r a h a n y a n g b e lr e b i h a n , k a d a n g m e n c i p t a k a n k o n d i s i y a n g k u r a n g m e n a ir k b a g i p e n g u s a h a l u a r d a e r a h u n t u k m e n g e m b a n g k a n u s a h a n y a d i d a e r a h t e r s e b u .t 5 ) I m p il k a s i P e r d a g a n g a n B e b a s S e b a g a i m a n a d i k e t a h u i b a h w a A F T A y a n g m u l a i b e lr a k u T a h u n

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  M i k r o d a n K e c li d a n m e n e n g a h u n t u k b e r s a i n g d a l a m p e r d a g a n g a n b e b a s . D a l a m h a l i n i , m a u it d a k m a u U M K d ti u n t u t u n t u k m e l a k u k a n p r o s e s p r o d u k s i d e n g a n p r o d u k it f d a n e if s i e n , s e tr a d a p a t m e n g h a s li k a n p r o d u k y a n g s e s u a i d e n g a n f r e k u e n s i p a s a r g l o b a l d e n g a n s t a n d a r k u a l ti a s s e p e tr i i s u k u a l ti a s (

  I S O 9 ,) i s u il n g k u n g a n (

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  1 4 . ) , d a n i s u H a k A s a s i M a n u s i a ( H A M ) s e tr a i s u k e t e n a g a k e jr a a n . I s u i n i s e ir n g d i g u n a k a n s e c a r a it d a k f a i r o l e h n e g a r a m a j u s e b a g a i h a m b a t a n ( N o n T a r fi f B a r r i e r

  f o r T r a d e ) . U n t u k ti u , U M K p e lr u m e m p e r s i a p k a n d ri i a g a r

  m a m p u b e r s a i n g b a i k s e c a r a k e u n g g u l a n k o m p a r a it f m a u p u n k e u n g g u l a n k o m p e it it .f 6 ) S fi a t P r o d u k d e n g a n K e t a h a n a n P e n d e k

  S e b a g i a n b e s a r p r o d u k i n d u s rt i k e c i l m e m i il k i c ri i a t a u k a r a k t e ir s it k s e b a g - a i p r o d u k p r o d u k d a - n k e r a ij n a n k e r a ij a n d e n g a n k e t a h a n a n y a n g p e n d e k . D e n g a n k a t a l a i n , – p r o d u k p r o d u k y a n g d i h a s li k a n U M K

  I n d o n e s i a m u d a h r u s a k d a n it d a k t a h a n l a m a .

  7 ) T e r b a t a s n y a A k s e s P a s a r T e r b a t a s n y a a k s e s p a s a r a k a n m e n y e b a b k a n p r o d u k y a n g d i h a s li k a n it d a k d a p a t d i p a s a r k a n s e c a r a k o m p e it it f b a i k d i p a s a r n a s i o n a l m a u p u n i n t e r n a s i o n a .l

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  ) 8 i s a m r o f n I s e s k A a y n s a t a b r e T

  , n a a y a i b m e p s e s k a n i a l e S K M U m a l a d n a ti l u s e k i u m e n e m a g u j M i u h a t e k i d g n a y i s a m r o f n i a y n m i n i . i s a m r o f n i p a d a h r e t s e s k a l a h h e l o K M U

  , p a d a h r e t h u r a g n e p n a k ir e b m e m k a y n a b t i k i d e s a h a s u t i n u i r a d a s a j n u p u a t a k u d o r p i r a d i s it e p m o k K M U n a g n e d

  E k a d it h a l a d a i n i l a h i r a d k e f . s a ti l a u k l a h m a l a d n i a l k u d o r p a y n u p m a m i i r a d l i s a h i a g a b e s a s a j n a d k u d o r p K M U k u t n u , n u m a N . r o p s k e r a s a p s u b m e n e m

  , k u d o r p a l u p t a p a d r e t n i a l i s i s i d l a n o i s a n r e t n i r a s a p i d g n u r a tr e b k u t n u l a i s n e t o p r e b g n a y a s a j u a t a , t u b e s r e t r a s a p p a d a h r e t s e s k a n u p u a t a r u l a j i k il i m e m k a d it a n e r a k r a s a p i d r a d e r e b a y n a h a y n ri h k a a d a p

  . k it s e m o d .

  D e P a y n m u l e b e S n a it il e n .

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  R i d a t s e h e l o n a k u k a li d )

  5 2 ( P r a s a k n a B t i d e r K k a p m a D l u d u j n a g n e d ,

  P p a d a h r e T P . r a s a P g n a g a d e P n a t a p a d n e k u t n u n a u j u tr e b i n i n a it il e n e a t a r n a a d e b r e p i u h a t e g n e m - n a d m u l e b e s r a s a p g n a g a d e p n a t a p a d n e p a t a r , k u t n u t a l a i a g a b e s t i j u n a k a n u g g n e m n a g n e d ti d e r k n a k u k a l e m h a d u s e s a t a r n a a d e b r e p r u k u g n e m - h a d u s e s n a d m u l e b e s g n a g a d e p n a t a p a d n e p a t a r H n a a d e b r e p t a p a d r e t h a l a d a i n i n a it il e n e p i r a d l i s a . ti d e r k n a k u k a l e m p g n a g a d e p n a t a p a d n e p p a d a h r e t n a k if i n g i s g n a y h a l e t e s n a d m u l e b e s r a s a , h u r a g n e p r e b t i d e r k n a l u p m i s e k h e l o r e p i d a g g n i h e s ti d e r k l i b m a g n e m

  .r a s a p g n a g a d e p n a t a p a d n e p p a d a h r e t

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  U a h a s a b a L n a d a h a s U K li c e n a d o r k i M

  , n a v e l e r s ir i p m e a r a c e s a y n n a r a n e b e k n a k ij u i d n a k a g n a y s i s e t o p i h a k a m

  . K M U n a g n a b m e k r e p g n u k u d n e m t a p B g n a y u l u h a d n a it il e n e p p a d a h r e t n a ij a k n a d n a u a j n it n a k r a s a d r e

  2 K M U n a h a b m a t i a g a b e s n a k a n u g i d k u t n u n a h a b m a t a n a d n a k h u t u b m e m , n a d n i s e m n a il e b m e p , l a u ji d g n a y k u d o r p s i n e j h a b m a n e m , a jr e k l a d o m a d g n a y t e s s a n a a r a h il e m e p

  8 2 , o n r a n .)

  K M U h e l o n a k i a p m a s i d g n a y n a h u l h a l a d a , n a a t n i m r e p n u p i k s e m a y n a h a s u n a k g n a b m e g n e m k u t n u l a d o m a y n g n a r u k k t a k g n i n e m a k e r e m a h a s u s a t a k a d it i l a k g n ir e s a k a m a n a d a l a d n e k r e t a n e r a n a a t n i m r e p i h u n e m e m k u t n u a s i b ( i w D i w :

  K h a l a d a M U a y n g n a b m e k r e b t a b m a h g n e m g n a y r o t k a f u t a s h a l a S . l a d o m a y n g n a r u k e k g n ir e S

  .

  2 P n a g n a b m e k r e p p a d a h r e t n a a y a i b m e p h u r a g n e p g n a t n e t a p u r e s n a it il e n e A a d n a n h e l o a g u j n a k u k a li d h a l e t li c e k n a d o r k i m a h a s u

  , n a k t a p a d n e m h a d u s e s n a d m u l e b e s l a d o m n a d n a g n u t n u e k , n a l a u j n e p . n a a y a i b m e p .

  , h a d u s e s n a d m u l e b e s l a d o m n a d n a g n u t n u e k , n a l a u j n e p t e s m o H i r a d l i s a . n o x o c li w i j u n a k a n u g g n e m n a g n e d n a a y a i b m e p n a k t a p a d n e m t e s m o p a d a h r e t n a k if i n g i s g n a y n a a d e b r e p t a p a d r e t h a l a d a i n i n a it il e n e p

  S g n a r a m e a t o K P n a a d e b r e p i u h a t e g n e m k u t n u n a u j u tr e b i n i n a it il e n e .

  H a w q a T t A t m B i r a D h a b a r d u M n a a y a i b m e p h e l o r e p m e M i d a r e h a m l a

  1 2 ( ) n a g n e d , S h a l e t e l i c e K n a d o r k i M a h a s U n a g n a b m e k r e P s i s il a n A l u d u j

  1

  E P n a g n a b m e k r e p a d a h r e T t i d e r K h u r a g n e P

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  D g u d i .

  1 n a l a u j n e p t e s m o n a a d e b r e p t a p a d r e t a

  K n a d m u l e b e s a r a t n a M U h a d u s e s m e m h e l o r e p . m e k a P i m o n o k E a y a D i t k a h B . R P B i r a d t i d e r k D n a a d e b r e p t a p a d r e t a g u d i . 2 a b a l h a d u s e s n a d m u l e b e s a r a t n a K M U h e l o r e p m e m

  . m e k a P i m o n o k E a y a D i t k a h B . R P B i r a d t i d e r k

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  B A B

  I I

  I M E T O D E P E N E L

  I T

  I A N . J e n i s P e n e il it a n A

  P e n e il it a n i n i y a n g d li a k u k a n a d a l a h p e n e il it a n l a p a n g a n y a n g b e r u p a s t u d i k a s u s p a d a P T . B P R B D E P a k e m . P e n e il it a n i n i d i p u s a t k a n p a d a s u b j e k d a n o b j e k t e tr e n t u s e h i n g g a h a s i l d a n k e s i m p u l a n y a n g d i a m b i l t e r b a t a s p a d a s u b j e k d a n o b j e k y a n g d ti e l ti i d a n b e lr a k u p a d a w a k t u t e tr e n t u .

  . T e m p a t d a n W a k t u P e n e il it a n B

  1 . T e m p a t P e n e il it a n P e n e il it a n i n i d li a k u k a n d i P T . B P R B H A K T

  I D A Y A E K O N O M I ( B P R B D E ) J l . K a il u r a n g K m

  1 7 , P a k e m , Y o g y a k a tr a . 2 . W a k t u P e n e il it a n

  P e n e il it a n i n i d li a k u k a n p a d a b u l a n J a n u ir - a A p r li t a h u n

  2

  1 1 .

  . S u b j e k d a n O b j e k P e n e il it a n C

  1 . S u b j e k P e n e il it a n S u b j e k p e n e il it a n a d a l a h b e n d a , h a l , a t a u o r a n g t e m p a t d a t a u n t u k v a ir a b e l p e n e il it a n m e l e k a t d a n d i p e r m a s a l a h k a n ( A ir k u n t o ,

  2 :

  1

  1 6 ) . S u b j e k p a d a p e n e il it a n i n i a d a l a h p e n g u s a h a m i k r o d a n k e c i l y a n g m e n g a m b i l k r e d i t p a d a b u l - a n J a n u a ir A p ir l

  2

  1 1 . 3 . O b j e k P e n e il it a n

  O b j e k p e n e il it a n a d a l a h v a ir a b e l p e n e il it a n y a ti u s e s u a t u y a n g m e r u p a k a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a d a l a h l a b a d a n o m s e t p e n j u a l a n u s a h a m i k r o d a n k e c i l 3 b u l a n s e b e l u m d a n 3 b u l a n s e t e l a h m e n g a m b i l k r e d i .t

  . P o p u l a s i d a n S a m p e l D

  1 . P o p u l a s i P o p u l a s i a d a l a h w li a y a h g e n e r a il s a s i y a n g t e r d ri i a t a s o b j e k / s u b j e k y a n g m e m p u n y a i k u a l ti a s d a n k a r a k t e ir s it k t e tr e n t u y a n g d ti e t a p k a n o l e h p e n e l ti i u n t u k d i p e l a j a r i d a n k e m u d i a n d ti a ir k k e s i m p u l a n n y a ( S u j a r w e n i ,

  2

  1 2 :

  1 3 ) . P o p u l a s i p a d a p e n e il it a n i n i a d a l a h n a s a b a h y a n g m e n g a m b i l k r e d i t d i P T . B P R B D E P a k e m p a d a b u l a n J a n u a ir A p r li t a h u n

  2

  1 - 1 . 2 . S a m p e l

  S a m p e l a d a l a h b a g i a n d a r i j u m l a h d a n k a r a k t e ir s it k y a n g d i m i il k i o l e h p o p u l a s i ( S u j a r w e n i ,

  2

  1 2 :

  1 3 ) . S a m p e l d a l a m p e n e il it a n i n i a d a l a h n a s a b a h y a n g m e r u p a k a n b a g i a n d a r i p o p u l a s i y a n g m e m e n u h i k r ti e ir a s e b a g a i p e n g u s a h a m i k r o d a n k e c i .l

  . T e k n i k P e n g a m b li a n S a m p e l E

  T e k n i k p e n g a m b li a n s a m p e l d a l a m p e n e il it a n i n i a d a l a h p u r p o is v e s a m p il n g y a n g m e r u p a k a n s a l a h s a t u t e k n i k p e n g a m b li a n s a m p e l k a t e g o r i

  n o n p r o b a b li ti y s a m p il n g . P u r p o s i v e s a m p il n g m e r u p a k a n m e t o d e p e n e t a p a n

  r e s p o n d e n u n t u k d ji a d i k a n s a m p e l b e r d a s a r k a n p a d a k - r ti e ir a k r ti e ir a t e tr e n t u ( S ri e g a r ,

  2 1 :

  1

  4 8 .) N a s a b a h y a n g d ji a d i k a n s a m p e l d a l a m p e n e il it a n i n i a d a l a h n a s a b a h y a n g m e m e n u h i k r ti e ir a s e b a g a i p e n g u s a h a m i k r o d a n k e c i l

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  s e b a n y a k

  2 7 n a s a b a h d a r i

  3 5 n a s a b a h ( p o p u l a s i ) y a n g m e n g a m b i l k r e d i t p a d a

  • b u l a n J a n u a ir A p r li t a h u n

  2

  1 1 d i P T . B P R B D E P a k e m .

  . D a t a y a n g D i p e r l u k a n F

  1 . D a t a P ir m e r a . B e s a r n y a k r e d i t y a n g d i a m b li . b . S y a r a t p e m b e ir a n k r e d ti . c . C a r a p e n g a n g s u r a n k r e d ti . d . L a b a U s a h a M i k r o d a n K e c li s e l a m a 3 b u l a n s e b e l u m d a n 3 b u l a n s e t e l a h m e n g a m b i l k r e d i t d i P T . B P R B D E P a k e m . e . O m z e t p e n j u a l a n U s a h a M i k r o d a n K e c li s e l a m a 3 b u l a n s e b e l u m d a n 3 b u l a n s e t e l a h m e n g a m b i l k r e d i t d i P T . B P R B D E P a k e m .

  2 . D a t a S e k u n d e r a . S e j a r a h B e r d i ir n y a P T . B P R B D E P a k e m . b . S rt u k t u r O r g a n i s a s i P T . B P R B D E P a k e m . c . P r o s e s P e n g a m b li a n K r e d ti . d . D a tf a r n a m a d a n a l a m a t n a s a b a h P T . B P R B D E P a k e m y a n g b e r p r o f e s i s e b a g a i p e n g u s a h a M i k r o d a n K e c li . K h u s u s n y a y a n g m e n j a d i s u b y e k p e n e il it a n . e . D a tf a r j u m l a h p i n j a m a n p e n g u s a h a M i k r o d a n K e c li , k h u s u s n y a y a n g m e n j a d i s u b y e k p e n e il it a n .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  . T e k n i k P e n g u m p u l a n D a t a G

  1 . W a w a n c a r a : Y a ti u t e k n i k p e n g u m p u l a n d a t a y a n g d li a k u k a n d e n g a n m e n g a d a k a n t a n y a j a w a b s e c a r a l a n g s u n g k e p a d a p i m p i n a n P T . B P R B h a k t i D a y a E k o n o m i P a k e m , K e p a l a B a g i a n K r e d i t P T . B P R B h a k t i D a y a E k o n o m i P a k e m d a n p a r a p e n g u s a h a M i k r o d a n K e c li . T e k n i k i n i d i g u n a k a n u n t u k m e l e n g k a p i d a t a d a n k e k u r a n g a n t e k n i k k u e s i o n e .r

  2 . D o k u m e n t a s i : Y a ti u t e k n i k p e n g u m p u l a n d a t a d e n g a n c a r a m e n g u m p u l k a n d - a t a d a t a s e k u n d e r m a u p u n p ir m e r y a n g b e r u p a p e ir o d e a k it v ti a s o p e r a s i n o r m a l U s a h a M i k r o d a n K e c i l ( U M K ) , d a n o m s e t p e n j u a l a n 3 b u l a n U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t s e tr a l a b a U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t d a r i P T . B P R B h a k t i D a y a E k o n o m i P a k e m .

  . T e k n i k A n a il s i s D a t a H

  1 . M e n g i d e n it if k a s i p e n g a r u h k r e d i t y a n g d i a m b i l p e n g u s a h a M i k r o d a n K e c li t e r h a d a p o m z e t p e n j u a l a n U s a h a M i k r o d a n K e c li a . M e l a k u k a n p e r h ti u n g a n o m z e t p e n j u a l a n s e b e l u m p e n g u s a h a M i k r o d a n

  K e c i l m e n g a m b i l k r e d i ,t d i h ti u n g d e n g a n j u m l a h o m z e t p e n j u a l a n s e l a m a it g a b u l a n s e b e l u m p e n g u s a h a M i k r o d a n K e c i l m e n g a m b i l k r e d i .t b . M e l a k u k a n p e r h ti u n g a n o m z e t p e n j u a l a n p e n g u s a h a M i k r o d a n K e c i l s e s u d a h m e n g a m b i l k r e d ti , d i h ti u n g d e n g a n j u m l a h o m z e t p e n j u a l a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  s e l a m a it g a b u l a n s e s u d a h p e n g u s a h a M i k r o d a n K e c i l m e n g a m b i l k r e d i .t c . M e m b u a t t a b e l o m s e t p e n j u a l a n - r a t a r a t a s e b e l u m d a n s e s u d a h p e n g u s a h a U M K m e n g a m b i l k r e d i .t d . M e l a k u k a n u j i n o r m a l ti a s d i a w a l i d e n g a n m e n e n t u k a n n li a i t a r a f n y a t a , α = . 5 . e . M e m a s u k a n d a t a o m s e t p e n j u a l a n r a - t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S .

  .f M e l a k u k a n u j i n o r m a l ti a s u n t u k m e n c a r i n li a i s i g ( p .) g . D a t a d a p a t d i k a t a k a n n o r m a l a p a b li a n li a i s i g ( p ) > α ( , 5 ) , s e b a il k n y a ij k a n li a i s i g ( p ) < α ( . 5 ) d a t a d i k a t a k a n it d a k n o r m a .l h J . i k a d a t a n o r m a l m a k a d li a k u k - a n u j i b e d a r a t a r a t a m e n g g u n a k a n u j i t (

   t p a i r e d t e s t ) , d i a w a l i d e n g a n m - e m b u a t t a b e l r a t a r a t a o m s e t p e n j u a l a n

  s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d i .t .i M e m b u a t h i p o t e s a a tl e r n a it f ( H a ) y a ti u k r e d i t m e m p u n y a i p e n g a r u h y a n g s i g n i if k a n t e r h a d a p o m z e t p e n j u a l a n i n d u s rt i M i k r o d a n K e c li .

  D ti u n j u k k a n d e n g a n a d a n y a p e r b e d a a n a n t a r a o m z e t p e n j u a l a n i n d u s rt i M i k r o d a n K e c li s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d ti .

  .j m e n e n t u k a n n li a i α , s e b e s a r .

  5 k . M e n g i n p u t d a t a o m s e t p e n j u a l - a n r a t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S . .l M e l a k u k a n u j i t d e n g a n S P S S u n t u k m e n c a r i n li a i s i g ( p .)

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  n . J i k a n li a i s i g ( p ) < α , b e r a tr i a d a p e r b e d a a n o m s e t p e n j u a l a n U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti e ir m a d a n H o d ti o l a k ) . N a m u n ij k a J i k a n li a i s i g ( p ) > α , b e r a tr i it d a k a d a p e r b e d a a n o m s e t p e n j u a l a n U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti o l a k d a n H o d ti e ir m a .) o . J i k a d a t a it d a k n o r m a l m a k a d i g u n a k a n u j i w li c o x o n , d i a w a l i d e n g a n m e m b u a t t a b e l o m s e t p e n j - u a l a n r a t a r a t a U M K s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i .t p . M e m b u a t h i p o t e s a a tl e r n a it f ( H a ) y a ti u k r e d i t m e m p u n y a i p e n g a r u h y a n g s i g n i if k a n t e r h a d a p o m z e t p e n j u a l a n i n d u s rt i M i k r o d a n K e c li .

  D ti u n j u k k a n d e n g a n a d a n y a p e r b e d a a n a n t a r a o m z e t p e n j u a l a n i n d u s rt i M i k r o d a n K e c li s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d ti . q . m e n e n t u k a n n li a i α , s e b e s a r .

  5 .r M e n g i n p u t d a t a o m s e t p e n j u a l - a n r a t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S .

  .s M e l a k u k a n u j i w li c o x o n d e n g a n S P S S u n t u k m e n c a r i n li a i s i g ( p .) .t M e m b a n d i n g k a n n li a i s i g ( p ) d e n g a n n li a i α . u . J i k a n li a i s i g ( p ) < α , b e r a tr i a d a p e r b e d a a n o m s e t p e n j u a l a n U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti e ir m a d a n H o d ti o l a k ) . N a m u n ij k a J i k a n li a i s i g ( p ) > α , b e r a tr i it d a k a d a p e r b e d a a n o m s e t p e n j u a l a n U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti o l a k d a n H o d ti e ir m a .)

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 . M e n g i d e n it if k a s i p e n g a r u h k r e d i t y a n g d i a m b i l p e n g u s a h a M i k r o d a n K e c li t e r h a d a p P e n j u a l a n M i k r o d a n K e c li a y n g d i il h a t d a ir l a b a a . M e l a k u k a n p e r h ti u n g a n l a b a s e b e l u m p e n g u s a h a M i k r o d a n K e c i l m e n g a m b i l k r e d i ,t d i h ti u n g d e n g a n j u m l a h l a b a s e l a m a it g a b u l a n s e b e l u m p e n g u s a h a M i k r o d a n K e c i l m e n g a m b i l k r e d i .t b . M e l a k u k a n p e r h ti u n g a n l a b a p e n g u s a h a M i k r o d a n K e c i l s e s u d a h m e n g a m b i l k r e d ti , d i h ti u n g d e n g a n j u m l a h l a b a s e l a m a it g a b u l a n s e s u d a h p e n g u s a h a M i k r o d a n K e c i l m e n g a m b i l k r e d i .t c . M e m b u a t t a b - e l l a b a r a t a r a t a s e b e l u m d a n s e s u d a h p e n g u s a h a U M K m e n g a m b i l k r e d i .t d . M e l a k u k a n u j i n o r m a l ti a s d i a w a l i d e n g a n m e n e n t u k a n n li a i t a r a f n y a t a , α = . 5 . e . M e m a s u k a n d a t a l a b - a r a t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S .

  .f M e l a k u k a n u j i n o r m a l ti a s u n t u k m e n c a r i n li a i s i g ( p .) g . D a t a d a p a t d i k a t a k a n n o r m a l a p a b li a n li a i s i g ( p ) > α ( , 5 ,) s e b a il k n y a ij k a n li a i s i g ( p ) < α ( . 5 ) d a t a d i k a t a k a n it d a k n o r m a .l h . J i k a d a - t a n o r m a l m a k a d li a k u k a n u j i b e d a r a t a r a t a m e n g g u n a k a n u j i t (

   t p a i r e d t e s t ) , d i a w a l i d e n g a n m e m b u a t t a b e - l r a t a r a t a l a b a s e b e l u m

  d a n s e s u d a h m e n g a m b i l k r e d i .t

  .i M e m b u a t h i p o t e s a a tl e r n a it f ( H a ) y a ti u k r e d i t m e m p u n y a i p e n g a r u h

  y a n g t e r h a d a p l a b a i n d u s rt i M i k r o d a n K e c li . D ti u n j u k k a n d e n g a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a d a n y a p e r b e d a a n a n t a r a l a b a i n d u s rt i M i k r o d a n K e c i l s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d ti .

  .j m e n e n t u k a n n li a i α , s e b e s a r .

  5 k . M e n g i n p u t d a t a l a b a - r a t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S . .l M e l a k u k a n u j i t d e n g a n S P S S u n t u k m e n c a r i n li a i s i g ( p .) m . M e m b a n d i n g k a n n li a i s i g ( p ) d e n g a n n li a i α . n . J i k a n li a i s i g ( p ) < α , b e r a tr i a d a p e r b e d a a n l a b a U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d ti ( H a d ti e ir m a d a n H o d ti o l a k ) . N a m u n ij k a J i k a n li a i s i g ( p ) > α , b e r a tr i it d a k a d a p e r b e d a a n l a b a U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti o l a k d a n H o d ti e ir m a .) o . J i k a d a t a it d a k n o r m a l m a k a d i g u n a k a n u j i w li c o x o n , d i a w a l i d e n g a n m e m b u a - t t a b e l l a b a r a t a r a t a U M K s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i .t

  p . M e m b u a t h i p o t e s a a tl e r n a it f ( H a ) y a ti u k r e d i t m e m p u n y a i p e n g a r u h

  y a n g t e r h a d a p l a b a i n d u s rt i M i k r o d a n K e c li . D ti u n j u k k a n d e n g a n a d a n y a p e r b e d a a n a n t a r a l a b a i n d u s rt i M i k r o d a n K e c i l s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d ti . q . m e n e n t u k a n n li a i α , s e b e s a r .

  5 .r M e n g i n p u t d a t a l a - b a r a t a r a t a s e b e l u m d a n s e t e l a h m e n g a m b i l k r e d i t k e d a l a m p r o g r a m S P S S .

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  .t M e m b a n d i n g k a n n li a i s i g ( p ) d e n g a n n li a i α . u . J i k a n li a i s i g ( p ) < α , b e r a tr i a d a p e r b e d a a n l a b a U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d ti ( H a d ti e ir m a d a n H o d ti o l a k ) . N a m u n ij k a J i k a n li a i s i g ( p ) > α , b e r a tr i it d a k a d a p e r b e d a a n l a b a U M K s e b e l u m d a n s e t e l a h U M K m e n g a m b i l k r e d i t ( H a d ti o l a k d a n H o d ti e ir m a .)

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  B A B

  I V G A M B A R A N U M U M P E R U S A H A A N . P r o if l P T . B P R B h a k t i D a y a E k o n o m i A

  P T . B P R B h a k t i D a y a E k o n o m i ( B P R B D E ) d i d i ir k a n t a h u n

  1

  9 7 d i P a k e m S l e m a n Y o g y a k a tr a . B e r p e n g a l a m a n s e l a m a 4 t a h u n , t e l a h m e n j a d i k a n B P R B D E s e b a g a i B P R s w a s t a t e r b e s a r d i Y o g y a k a tr a . B P R B D E j u g a d i k e n a l s e b a g a i s a l a h s a t u B P R p e l o p o r d a n p e ir n it s d a l a m p r o g r a m p e m b e r d a y a a n p e l a k u u s a h a s k a l a m i k r o , k e c i l d a n m e n e n g a h . M e l a l u i b e r a g a m p r o d u k l a y a n a n p e r b a n k a n y a n g i n o v a t fi , d i d u k u n g S D M h a n d a l d a n s i s t e m o p e r a s i o n a l b e r b a s i s t e k n o l o g i i n f o r m a s i , B P R B D E k i n i s e d a n g b e r k e m b a n g s a n g a t p r o g r e s i f m e l a y a n i k e b u t u h a n j a s a p e r b a n k a n m a s y a r a k a t Y o g y a k a tr a .

  R i n it s a n a w a l p e n d i ir a n B P R B D E d i m u l a i p a d a t a h u n

  1

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  6 9 o l e h b e b e r a p a o r a n g t o k o h d i s e k ti a r P a k e m . P a r a t o k o h t e r s e b u t m e m b e n t u k “ p a n i it a t u j u h ” s e b a g a i l a n g k a h a w a l k o n s o il d a s i d a n p e r s i a p a n p e n d i ir a n b a n k . B a r u p a d a t a h u n

  1

  9 7 t e p a t n y a p a d a t a n g g a l

  2 A p ir l

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  9 7 , B P R B D E y a n g k e it k a ti u b e r n a m a P T . B a n k M a d y a B h a k t i D a j a E k o n o m i s e c a r a r e s m i d i d i ir k a n d a n d i p i m p i n o l e h D r s . J . S o r k i d j o D w i d j o s i s w o y o s e b a g a i d ri e k t u d a n R . S . S u b ji a t P r o d j o h a t m o j o s e b a g a i K o m i s a ir s U t a m a . K e p e m i m p i n a n D r s . J . S o r k i d j o D w i d j o s i s w o y o b e r a k h i r p a d a t a h u n

  1

  9

  7 4 y a n g k e m u d i a n d i g a n it k a n o l e h S . S o e j a n t o , S H .

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  E r a k e p e m i m p i n a n S . S o e j a n t o , S H , M M . b e r a k h i r p a d a M a r e t

  2

  7 y a n g d i g a n it k a n o l e h T ir b o w o , S E , M M . d a p a t d i p a n d a n g s e b a g a i f a s e k e l a h ri a n k e m b a l i b a g i B P R B D E . S a a t i n i b e r s a m a P u r w a n t o , S E . s e b a g a i d ri e k t u r d a n A . T o n y P r a s e n it a n t o n o , P h . D d a n F

  X . R u k m o H a tr o n o , S E . y a n g m e n j a b a t s e b a g a i K o m i s a ir s U t a m a d a n K o m i s a ir s , B P R B D E m e m u l a i t a h a p a n s e b a g a i p e r u s a h a a n p e r b a n k a n m o d e r n y a n g d i k e l o l a m a n a j e m e n b a r u

  • y a n g s e c a r a k o n s i s t e n m e n e r a p k a n p ir n s i p p ir n s i p t a t a k e l o l a p e r u s a h a a n y a n g b a i k ( g o o d c o r p o r a t e g o v e r n a n c e .)

  D i b a w a h p e n g e l o l a a n p e n g u r u s d a n m a n a j e m e n b a r u , B P R B D E m e n g a l a m i p e r u b a h a n m e n d a s a r , it d a k s a j a p a d a p e r s p e k it f t a t a k e l o l a p e r u s a h a a n , l e - b i h d a r i ti u v i s i m i s i s e k a il g u s f li o s o f i p e r u s a h a a n j u g a b e r u b a h . M a n a j e m e n t e l a h b e r h a s i l m e n g u b a h c i rt a l a m a B P R B D E s e b a g a i “ B P R P a n u t a n ” y a n g b e r k o n o t a s i f e o d a il s m e , m e n j a d i B P R B D E b a r u y a n g l e b i h v i s i b e l d a n m e n g e d e p a n k n p ir n s - a i p p ir n s i p k e m i rt a a n d a n k e s e j a j a r a n .

  “ M e n j a d i b a n k p i il h a n y a n g b e r d a y a s a i n g g l o b a l , k o k o h d a n t e r p e r c a y a ” y a n g k i n i m e n j a d i v i s i B P R B D E a d a l a h k ir s t a il s a s i s p i ir t d a n o p it m i s m e s e l u r u h s u m b e r d a y a d i B P R B D E d a l a m m e n y i k a p i d i n a m i k a i n d u s rt i p e r b a n k a n y a n g

  t a g il n e

  p r o g r e s i .f A t a s d a s a r ti u p u l a B P R B D E k i n i b e r u b a h m e n j a d i l e b i h

  c u s t o m e r s e r v i c e o r i e n t e d y a k n i “ m e m b e r i y a n g t e r b a i k ” . H a s li n y a , k i n e jr a

  B P R B D E s e it d a k n y a d a l a m it g a t a h u n t e r a k h i r m e n u n j u k k a n p e r k e m b a n g a n y a n g s a n g a t s i g n i if k a n . S a l a h s a t u n y a a d a l a h a s e t t o t a l B P R B D E p e r D e s e m b e r

  2 9 y a n g t e l a h t u m b u h

  2

  3 4 p e r s e n ij k a d i b a n d i n g k a n d e n g a n

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  . D e s k r i p s i J a b a t a n d a n S t r u k t u r O r g a n i s a s i P T . B P R B h a k t i D a y a B E k o n o m i

  1 . D ri e k t u r U t a m a A t a s a n L a n g s u n g : P e m e g a n g S a h a m B e tr a n g g u n g J a w a b K e p a d a : P e m e g a n g S a h a m a . M i s i J a b a t a n

  M e r u m u s k a n r e n c a n a s rt a t e g i k , m e n g i m p l e m e n t a s i k a n r e n c a n a s rt a t e g i k d a l a m m e n g e l o l a p e r u s a h a a n d a n m e m p e tr a n g g u n g j a w a b k a n i m p l e m e n t a s i r e n c a n a t e r s e b u t k e p a d a p e m e g a n g s a h a m , K o m i s a ir s d a n B a n k

  I n d o n e s i a . b . K e y R e s u l t A r e a ( K R A ) 1 ) S h a r e h o l d e r ’ s v a l u e ( n li a i t a m b a h b a g i p e m e g a n g s a h a m )

  2 ) C o m p a n y P r o d u c it v ti y ( P r o d u k it v ti a s P e r u s a h a a n ) 3 ) C o m p a n y

  I m a g e ( C i rt a P e r u s a h a a n d a n P r o d u k n y a )

  4 ) P e n g e l o l a a n d a n P e n g e m b a n g a n S D M 5 ) K e s e h a t a n B a n k c . W e w e n a n g 1 ) M e r u m u s k a n r e n c a n a s rt a t e g i k u n t u k s e it a p j a n g k a w a k t u

  5 t a h u n 2 ) M e r u m u s k a n k e g i a - t a n k e g i a t a n y a n g m e n d u k u n g d a n d i p e lr u k a n d a l a m m e n g e l o l a p e r u s a h a a n 3 ) M e n g a m b i l it n d a k a n h u k u m u n t u k k e p e n it n g a n p e r u s a h a a n .

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  . d b a w a J g n u g g n a T )

  1 , k e d n e p a k g n a j m a l a d n a a h a s u r e p n a u j u t n a d i s i m i s i v n a u t n e n e P g n a j n a p a k g n a j n a d

  )

  2 , n a u j u t n a d i s i m i s i v i a p a c n e m k u t n u i g e t a rt s n a n u s u y n e P n a a h a s u r e p

  )

  3 P m a l a d n a k u k a lr e b i d g n a y n a k a ji b e k n a d n a r u t a r e p n a n u s u y n e n a a h a s u r e p )

  4 P n a a h a s u r e p m a l a d n a t a i g e k h u r u l e s i s a u l a v e n a d n a il a d n e g n e )

  5 P n a a h a s u r e p n a t a i g e k h u r u l e s n a a n a s k a l e p n a b a w a j g n u g g n a tr e B k n a n a d n a a h a s u r e P s ir a s i m o K , m a h a s g n a g e m e p a d a p e k a i s e n o d n

  I ) 6 y n e P

  , n a n u h a t n a r a g g n a i s a u l a v e n a d n a a n a s k a l e p , n a n u s u )

  7 P n a g n e d n a ij n a jr e p u a t a i s a i s o g e n n a a n a s k a l e p n a d n a a n a c n e r e n i a l k a h i p . 2 r u t k e ri D

  L g n u s g n a n a s a t A U a m a t r u t k e ri D :

  K a d a p e b a w a J g n u g g n a tr e B : a m a t U r u t k e ri D . a n a t a b a J i s i M

  U m u r e m a m a t r u t k e ri D u t n a b m e M , k i g e t a rt s a n a c n e r n a k s u n a a h a s u r e p a l o l e g n e m m a l a d k i g e t a rt s a n a c n e r n a k i s a t n e m e l p m i g n e m a d a p e k t u b e s r e t a n a c n e r i s a t n e m e l p m i n a k b a w a j g n u g g n a tr e p m e m n a d

  . a i s e n o d n I k n a B n a d s ir a s i m o K , m a h a s g n a g e m e p

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  . b a e r A t l u s e R y e K ) A R K ( ) 1 n a a h a s u r e P s a ti li b a ti f o r P

  ) 2 t s o C l o r t n o C

  ) 3 n a w a y r a K s a ti v i v it k u d o r P ) 4 n a w a y r a k l a r o m / a jr e k n a s a u p e K ) 5 n a w a y r a k n a g n a b m e g n e P

  . c g n a n e w e W ) 1 i s a s i n a g r o i s a d il o s n o k n a k u k a l e M )

  2 M a jr e k a t a t n a d r u d e s o r p m e t s i s n a k a n r u p m e y n e )

  3 M ti a k r e t k a h i p u a t a i s n a t s n i n a g n e d a m a s a jr e k n a k u k a l e ) 4 l m u j k u t n u t i d e r k n a k s u t u m e M

  , . . R 1 p s a t a i d h a

  . d b a w a J g n u g g n a T )

  1 , n a n u h a t n a r a g g n a i s a u l a v e n a d n a a n a s k a l e p , n a n u s u y n e P

  ) 2 n a a h a s u r e p t e s s a n a a l o l e g n e P ) 3 n a a h a s u r e p n it u r n a t a i g e k n a a l o l e g n e P )

  4 , n u p u a m k e d n e p a k g n a j a n a c n e r n a d k i g e t a rt s , n a u j u t n a s u m u r e P n a a h a s u r e p g n a j n a p a k g n a j

  ) 5 r o o K n a n u h a t n a r a g g n a n a n u s u y n e p m a l a d i s a n i d .

  3 r e j a n a M L g n u s g n a n a s a t A r u t k e ri D :

  K a d a p e b a w a J g n u g g n a tr e B : r u t k e ri D

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  . a n a t a b a J i s i M D s a g u t h u r u l e s a y n a n a s k a lr e t n a k it s a m e m r u t k e ri u t n a b m e M

  , a n a m i a g a b e s i s a s i n a g r o n a u j u t i a p a c n e m a k g n a r m a l a d , n a i g a B g n a u tr e t

  , m a l a d u t n a b m e m a y n s u s u h k n a a h a s u r e p k i g e t a rt s a n a c n e r m a l a d , i s a u l a v e a tr e s g n ir o ti n o m n a d n a a n a s k a l e p , n a a n a c n e r e p b .

  A a e r t l u s e R y e K

  ) A R K ( ) 1 u t k a w t a p e t n a a n a c n e r e P ) 2 i a p a c r e t a n a c n e r h u r u l e S ) 3 a y n s i s il a n a n a d n a r a g g n a a jr e n i k n a r o p a L

  . c g n a n e w e W )

  1 M i s a n i d r o o k t a p a r m a l a d n a i g a b a l a p e k a r a p g n a d n u g n e s a g u t n a a n a s k a l e p n a d n a a n a c n e r e p )

  2 M n a d s a g u t n a a n a s k a l e p p a d a h r e t g n ir o ti n o m n a k u k a l e i s a u l a v e n a k ir e b m e m )

  3 , i a p m a s . .

  R 5 p s a t a i d h a l m u j k u t n u t i d e r k n a k s u t u m e M , . . R 1 p m u m i s k a m

  . d G N U G G N A T B A W A J ) 1 s a g u t a n a c n e r n a n u s u y n e p r i n i d r o o k g n e M - n a i g a b p a it e s s a g u t ) 2 s a g u t n a a s k a l e p r i n i d r o o k g n e M - n a i g a b p a it e s s a g u t ) 3 s a g u t a n a c n e r n a a n a s k a l e p i s a w a g n e M - n a i g a b p a it e s s a g u t )

  4 M n a i g a b s a g u t a n a c n e r n a a n a s k a l e p n a s a w a g n e p n a r o p a l t a u b m e a y n i s a u l a v e n a d

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  .

  4 B a l a p e K ti d e r K l a n o i s a r e p O n a i g a A g n u s g n a l n a s a t r u t k e ri D :

  K a d a p e b a w a J g n u g g n a tr e B r u t k e ri D : . a n a t a b a J i s i M

  M it a h e k p i s n ir p r a s a d s a t a t a k a r a y s a m a d a p e k a n a d n a k r u l a y n e

  • n a it a h ti d e r k o k i s e r n a k m u m i n i m e m n a g n e d

  . b

  A a e r t l u s e R y e K

  ) A R K ( ) 1 n a d r a s a p n a g n a b m e g n e P k u d o r p ) 2 ti d e r k o il o f o tr o p n a d t i d e r k n a h u b m u tr e P ) 3 ) L P N a k g n a ( ti d e r k o k i s e R ) 4 n a h i g a n e p s a ti v it k u d o r P ) 5 n a h i g a n e p a y a i B ) 6 n a n a y a l e P

  . c g n a n e w e W ) 1 n i a l n a i g a b n a g n e d i s a n i d r o o k n a k u k a l e M )

  2 M ti a k r e t k a h i p u a t a i s n a t s n i n a g n e d a m a s a jr e k n a k u k a l e ) 3 i a p m a s ti d e r k n a k s u t u m e M

  , . . R 5 p h a l m u j n a g n e d

  . d b a w a J g n u g g n a T )

  1 P n a d n a r a s a m e p g n a d i b i d k i g e t a rt s n a a n a c n e r e p n a n u s u y n e , s i s il a n a n a r a s a m e p g n a d i b i d n a a h a s u r e p n a k a ji b e k n a k u k a l e m n a h i g a n e p n a d t i d e r k

  ) 2 s a g u t ri n i d r o o k g n e m n a d n a r u t a g n e P

  r e c if f o t n u o c c a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3 ) P e n i n g k a t a n d a n p e n g e m b a n g a n k e m a m p u a n s t a f p e m a s a r a n d a l a m m e l a k u k a n p e m a s a r a n d a n a n a il s i s t e r h a d a p c a l o n d e b ti u r 4 ) P e r a n c a n g a n p r o g r a m p r o m o s i m e l a l u i m e d i a c e t a k d a n m e d i a e l e k rt o n i k 5 ) P e n g a w a s a n k e g i a t a n p e m a s a r a n d a n a n a il s i s k r e d ti 6 ) P e n g a r s i p a n d a t a c a l o n d e b ti u r 7 ) P e n g e l o l a a n k o l e k it b li ti a s k r e d i t y a n g t e l a h d i s e t u j u i 8 ) P e m b i n a a n k e p a d a d e b ti u r s e c a r a p r o a k t fi 9 ) P e n g a w a s a n k e g i a t a n o p e r s i o n a l d a n a d m i n i s rt a s i k r e d ti 1 ) P e n c a p a i a n t a r g e t N P L y a n g d ti e t a p k a n d ri e k s i d a n p e n y e l e s a i a n k r e d i t b e r m a s a l a h

  1 1 ) K o o r d i n a s i d e n g a n k e p a l a b a g i a n l a i n d a l a m p e n y e l e s a i a n k r e d i t b e r m a s a l a h 1 2 ) P e l a p o r a n y a n g t e r k a i t d e n g a n b a g i a n n y a b a i k u n t u k k e p e lr u a n i n t e r n m a u p u n e k s t e r n 1 3 ) E v a l u a s i k e g i a t a n p e m a s a r a n s e c a t a p e ir o d i k d a n m e m p e tr a n g g u n g j a w a b k a n n y a k e p a d a d ri e k s i 1 4 ) E v a l u a s i k e g i a t a n p e n a g i h a n k r e d i t s e c a r a p e ir o d i k d a n m e m p e tr a n g g u n g j a w a b k a n n y a k e p a d a d ri e k s i 1 5 ) P e n g e m b a n g a n p r o d u k k r e d i t 5 . K e p a l a S e k s i K r e d i t P e g a w a i d a n L a n s i a

  A t a s a n L a n g s u n g : K e p a l a B a g i a n O p e r a s i o n a l K r e d ti

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  . a n a t a b a J i s i M M r a s a d s a t a a i s n a l n a d i a w a g e p k o p m o l e k a d a p e k t i d e r k n a k r u l a y n e it a h e k p i s n ir p - ti d e r k o k i s e r n a k m u m i n i m e m n a g n e d n a it a h

  ) 1 ti d e r k o il o f o tr o p n a d t i d e r k n a h u b m u tr e P ) 2 ) L P N a k g n a ( ti d e r k o k i s e R ) 3 n a h i g a n e p s a ti v it k u d o r P ) 4 n a h i g a n e p a y a i B ) 5 n a n a y a l e P

  . c g n a n e w e W ) 1 n a k u k a l e M a i s n a l n a d i a w a g e p t i d e r k s i s il a n a n a d n a r a s a m e p

  )

  2 M ti a k r e t k a h i p u a t a i s n a t s n i n a g n e d a m a s a jr e k n a k u k a l e )

  3 , . .

  R 2 p h a l m u j n a g n e d i a p m a s ti d e r k n a k s u t u m e M . d b a w a J g n u g g n a T

  )

  1 P g n a y t i d e r k n a t a p a d n e p n a d n a h i g a n e p a n a c n e r n a n u s u y n e n a t u k g n a s r e b ) 2 k n a a l o l e g n e P r u ti b e d a r a p i r a d t i d e r k s a ti li b it k e l o

  )

  3 P i d a j n e m g n a y r u ti b e d a u m e s k u t n u i s a rt s i n i m d a n a a l o l e g n e a y n b a w a j g n u g g n a t )

  4 P ti d e r k i s a rt s i n i m d a n a d l a n o i s r e p o n a t a i g e k n a s a w a g n e ) 5 n a h i g a n e p l i s a h n a r o p a l e p n a d i s a u l a v E

  . 6 a h a s U n a d m u m U t i d e r K i s k e S a l a p e K

  A n a s a t g n u s g n a L K ti d e r l a n o i s a r e p O n a i g a B a l a p e K :

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M i s i J a b a t a n M e n y a l u r k a n k r e d i t u m u m d a n u s a h a a t a s d a s a r p ir n s i - p k e h a it h a it a n d e n g a n m e m i n i m u m k a n r e s i k o k r e d ti b . K e y R e s u l t A r e a ( K r a ) 1 ) P e tr u m b u h a n k r e d i t d a n p o tr o f o il o k r e d ti

  2 ) R e s i k o k r e d ti ( a n g k a N P L ) 3 ) P r o d u k it v ti a s p e n a g i h a n 4 ) B i a y a p e n a g i h a n c . W e w e n a n g 1 ) M e l a k u k a n p e m a s a r a n d a n a n a il s i s k r e d i t u m u m d a n u s a h a 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k t e r k a ti 3 ) M e m u t u s k a n k r e d ti s a m p a i d e n g a n j u m l a h R p 2 . . , d . T a n g g u n g J a w a b 1 ) P e n y u s u n a n r e n c a n a p e n y a l u r a n , p e n a g i h a n d a n p e n d a p a t a n k r e d ti 2 ) K e b e n a r a n d a n k e a k u r a t a n d o k u m e n k r e d ti 3 ) P e n g e l o l a a n k o l e k it b li ti a s k r e d i t d a r i p a r a d e b ti u r 4 ) P e n g e l o l a a n a d m i n i s rt a s i u n t u k s e m u a d e b ti u r y a n g m e n j a d i t a n g g u n g j a w a b n y a 5 ) P e n g a w a s a n k e g i a t a n o p e r a s i o n a l d a n a d m i n i s rt a s i k r e d ti

  6 ) E v a l u a s i d a n p e l a p o r a n h a s i l p e n a g i h a n 7 . K e p a l a S e k s i K r e d i t K e l o m p o k d a n K S M A t a s a n L a n g s u n g : K e p a l a B a g i a n O p e r a s i o n a l K r e d ti

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M i s i J a b a t a n M e n y a l u r k a n k r e d i t k e l o m p o k d a n K S M a t a s d a s a r p ir - n s i p k e h a it h a it a n d e n g a n m e m i n i m u m k a n r e s i k o k r e d i .t b . K e y R e s u l t A r e a ( K R A ) 1 ) P e tr u m b u h a n k r e d i t d a n p o tr o f o il o k r e d ti

  2 ) R e s i k o k r e d ti ( a n g k a N P L ) 3 ) P r o d u k it v ti a s p e n a g i h a n 4 ) B i a y a p e n a g i h a n 5 ) P e l a y a n a n c . W e w e n a n g 1 ) M e l a k u k a n p e m a s a r a n d a n a n a il s i s k r e d i t k e l o m p o k d a n K S M

  2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k t e r k a ti 3 ) M e m u t u s k a n k r e d ti s a m p a i d e n g a n j u m l a h R p 2 . . , d . T a n g g u n g J a w a b

  1 ) P e n y u s u n a n r e n c a n a p e n y a l u r a n , p e n a g i h a n d a n p e n d a p a t a n k r e d ti 2 ) K e b e n a r a n d a n k e a k u r a t a n d o k u m e n k r e d ti 3 ) P e n g e l o l a a n k o l e k it b li ti a s k r e d i t d a r i p a r a d e b ti u r 4 ) P e n g e l o l a a n a d m i n i s rt a s i u n t u k s e m u a d e b ti u r y a n g m e n j a d i t a n g g u n g j a w a b n y a 5 ) P e n g a w a s a n k e g i a t a n o p e r a s i o n a l d a n a d m i n i s rt a s i k r e d ti

  6 ) E v a l u a s i d a n p e l a p o r a n h a s i l p e n a g i h a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  .

  8 K ti d e r o k i s e R n a d n a il a d n e g n e P n a i g a B a l a p e K L g n u s g n a n a s a t A r u t k e ri D :

  K a d a p e b a w a j g n u g g n a tr e B r u t k e ri D : . a n a t a b a J i s i M

  D i u l a l e m t i d e r k o k i s e r n a il a d n e g n e p n a k u k a l e m r u t k e ri u t n a b m e M t i d e r k n a i a s e l e y n e p a tr e s t i d e r k g n ir o ti n o m n a d n a i s a rt s i n i m d a g n e p r e b h a l a s a m

  . b a e r A t l u s e R y e K ) A R K ( ) 1 ti d e r k i s a rt s i n i m d A ) 2 ti d e r k a jr e n i k n a r o p a L ) 3 h a l a s a m r e b t i d e r k n a i a s e l e y n e P

  . c g n a n e w e W ) 1 n i a l n a i g a b n a g n e d i s a n i d r o o k n a k u k a l e M )

  2 M ti a k r e t k a h i p u a t a i s n a t s n i n a g n e d a m a s a jr e k n a k u k a l e )

  3 M n a g n it n e p e k k u t n u m u k o h n a k a d n it n a k u k a l e n a a h a s u r e p

  . d b a w a J g n u g g n a T )

  1 P t i d e r k o k i s e r n a il a d n e g n e p g n a d i b i d k i g e t a rt s a n a c n e r n a n u s u y n e n a il a d n e g n e p g n a d i b i d n a a h a s u r e p n a k a ji b e k n a k u k a l e m n a d ti d e r k o k i s e r

  ) 2 k i a b g n a y i s a rt s i n i m d a a y n a r a g g n e l e s r e T ) 3 ti d e r k n e m u k o d n a p a k g n e l e k n a it il e n e P ) 4 a e k n a it il e n e P n a n i m a j g n a r a b g n u k u d n e p n e m u k o d n a h a s b

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  . b A R K ( a e r A t l u s e R y e K ) ) 1 ti d e r k n a ij n a jr e p n e m u k o d n a p i s r a g n e P ) 2 a i s e n o d n

  1 P n a d i s a rt s i n i m d a g n a d i b i d k i g e t a rt s a n a c n e r n a n u s u y n e ti d e r k g n ir o ti n o m

  . d b a w a J g n u g g n a T )

  / r u ti b e d h a b a s a n n o l a c ) 3 ti d e r k n a n i m a j n a k h a r e y n e m n a d a m ir e n e M

  1 M ti d e r k n a n i m a j n a d n e m u k o d p a d a h r e t i s a k i v ir e v n a k u k a l e ) 2 n a g n e d i s a k i n u m o k n a k u k a l e M

  . c g n a n e w e W )

  I k n a B n a r o p a L ) 3 ti d e r k a jr e n i k n a r o p a L ) 4 n a n a y a l e P

  )

  6 s a t a e k

  K t i d e r o k i s e R n a d n a il a d n e g n e P g a b a K : . a n a t a b a J i s i M

  K ti d e r o k i s e R n a d n a il a d n e g n e P g a b a K : K a d a p e b a w a j g n u g g n a tr e B

  K ti d e r n a r o p a L n a d i s a rt s i n i m d A i s k e S a l a L g n u s g n a n a s a t A

  9 P ti d e r k o k i s e r n a il a d n e g n e p r u d e s o r p n a d m e t s y s n a g n a b m e g n e . 9 p e K

  7 P h a l a s a m r e b g n a y t i d e r k s a t a m u k o h n a ij a k g n e ) 8 f a t s n a g n a b m e g n e p n a d n a a n i b m e P )

  P 3 i r o g e t a k h a l a s a m r e b t i d e r k n a i a s e l e y n e )

  M n i m a j n e m k u t n u t i d e r k g n ir o ti n o m e m n a d i s a rt s i n i m d a a l o l e g n e n a r u l a y n e p a w h a b it a h e k p i s n ir p n a g n e d n a k u k a li d t i d e r k - . n a it a h

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  . b a e r A t l u s e R y e K ) A R K ( ) 1 ti d e r k i r a d l a g e l k e p s a n a h a l a s a m r e P ) 2 h a l a s a m r e b t i d e r k n a n a g n a n e p n a i a s e l e y n e P

  ) m u k u h n a tl u s n o K , m i k a H

  3 P c a g n e ( m u k u h k a g e n e p t a r a p a n a g n e d a m a s a jr e k n a k u k a l e M , a r a

  )

  2 / r u ti b e d h a b a s a n n o l a c n a g n e d i s a k i n u m o k n a k u k a l e M

  1 M ti d e r k n a n i m a j n a d n e m u k o d p a d a h r e t i s a k i v ir e v n a k u k a l e )

  . c g n a n e w e W )

  )

  2 P n a n i m a j a tr e s t i d e r k n a ij n a jr e p n a d n e m u k o d n a i s a rt s i n i m d a g n e ti d e r k ) 3 h i g a n e p ( t i d e r k a jr e n i k g n ir o ti n o M

  . a n a t a b a J i s i M M i u l a l e m t i d e r k o k i s e r n a k il a d n e g n e m n a i g a b a l a p e k u t n a b m e / t i d e r k n a i a s e l e y n e p n a n a g n a n e p n a d t i d e r k i r a d l a g e l k e p s a n a ij a k g n e p

  K a d a p e b a w a j g n u g g n a tr e B K t i d e r o k i s e R n a d n a il a d n e g n e P g a b a K :

  L g n u s g n a n a s a t A K ti d e r o k i s e R n a d n a il a d n e g n e P g a b a K :

  I . 1 l a g e L i s k e S a l a p e K n a D h a l a s a m r e B t i d e r K

  4 B k n a ( n r e t s k e k a h i p k u t n u k i a b , ti d e r k a jr e n i k n a r o p a l e P )i s k e ri d ( n r e t n i k a h i p n u p u a m ) a i s e n o d n

  )

  , n a g n a b m e r e p ti d e r k n a )t i d e r k n a h a l a s a m r e p n a n a g n a n e p

  ) s a t a e k ( 3 i r o g e t a k h a l a s a m r e b

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  d . T a n g g u n g J a w a b 1 ) P e n y u s u n a n r e n c a n a s rt a t e g i k d i b i d a n g l e g a l d a n p e n y e l e s a i a n k r e d i t b e r m a s a l a h 2 ) P e n y u s u n a n k a ij a n h u k u m t e r h a d a p k r e d ti k r e d i t - b e r m a s a l a h

  3 ) P e n a n g a n a n p e n y e l e s a i a n k r e d i t b e r m a s a l a h

  1 1 . K e p a l a B a g i a n R a h d a n a A t a s a n L a n g s u n g : D ri e k t u r B e tr a n g g u n g j a w a b K e p a d a : D ri e k t u r a . M i s i J a b a t a n

  M e n g h i m p u n d a n a d a r i m a s y a r a k a t s e s u a i d e n g a n k e b u t u h a n p e r u s a h a a n d e n g a n b i a y a p e n g h i m p u n a n d a n a y a n g m u r a h . b . K e y R e s u l t A r e a ( K R A ) 1 ) P e n g e m b a n g a n p a s a r

  2 ) P e n g e m b a n g a n p r o d u k 3 ) K o m p o s i s i n a s a b a h 4 ) P e l a y a n a n 5 ) B i a y a p e n g h i m p u n a n d a n a c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n b a g i a n l a i n

  2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k t e r k a ti d . T a n g g u n g J a w a b 1 ) P e r e n c a n a a n j u m l a h p e n g e r a h a n d a n a y a n g d ti a r g e t k a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  3 ) P e n g e m b a n g a n k o m p o s i s i n a s a b a h 4 ) P e n g a w a s a n k e g i a t a n p e n g e r a h a n d a n a 5 ) E v a l u a s i k e g i a t a n d a n b i a y a p e n g e r a h a n / p e n g h i m p u n a n d a n a s e c a r a p e ir o d i k 6 ) P e n i n g k a t a n d a n p e n g e m b a n g a n k e m a m p u a n s t a f 7 ) P e n i n g k a t a n p e l a y a n a n 8 ) P e n y e l e s a i a n u n d i a n S A E 9 ) P e m b u a t a n l a p o r a n u n t u k k e p e n it n g a n i n t e r n d a n e k s t e r n 1 ) P e n g e l o l a a n k a s d i R S . P a n t i N u g r o h o

  1 1 ) P e n i n g k a t a n d a n p e n g e m b a n g a n k e m a m p u a n s t a f n y a

  1 2 . K e p a l a S e k s i T a b u n g a n A t a s a n L a n g s u n g : K e p a l a B a g i a n R a h d a n a B e tr a n g g u n g j a w a b K e p a d a : K e p a l a B a g i a n R a h d a n a a . M i s i J a b a t a n

  M e n g h i m p u n d a n a d a r i m a s y a r a k a t s e s u a i d e n g a n k e b u t u h a n p e r u s a h a a n d e n g a n b i a y a p e n g h i m p u n a n d a n a y a n g m u r a h .

  K e y R e s u l t A r e a ( K R A ) b .

  1 ) P e n g e m b a n g a n p a s a r 2 ) P e n g e m b a n g a n p r o d u k t a b u n g a n 3 ) K o m p o s i s i n a s a b a h t a b u n g a n 4 ) P e l a y a n a n n a s a b a h 5 ) B i a y a p e n g h i m p u n a n d a n a t a b u n g a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  c . W e w e n a n g 1 e ) M l a k u k a n k o o r d i n a s i d e n g a n b a g i a n l a i n 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n g e l o l a a n t a b u n g a n d a n S A E 2 ) P e r e n c a n a a n d a n p e n g e m b a n g a n t a b u n g a n d a n S A E 3 ) P e l a p o r a n p e r k e m b a n g a n t a b u n g a n k e p a d a k e p a l a b a g i a n 4 ) P e r h ti u n g a n b u n g a a t a s t a b u n g a n 5 ) E v a l u a s i k e g i a t a n p e n g e m b a n g a n t a b u n g a n d a n S A E

  1 3 . K e p a l a S e k s i D e p o s ti o A t a s a n L a n g s u n g : K e p a l a B a g i a n R a h d a n a B e tr a n g g u n g J a w a b K e p a d a : K e p a l a B a g i a n R a h d a n a a . M i s i J a b a t a n

  M e n g h i m p u n d a n a d a r i m a s y a r a k a t d a l a m b e n t u k d e p o s ti o , s e s u a i d e n g a n k e b u t u h a n p e r u s a h a a n d e n g a n b i a y a p e n g h i m p u n a n d a n a y a n g m u r a h .

  K e y R e s u l t A r e a ( K R A ) b .

  1 ) P e n g e m b a n g a n p a s a r 2 ) P e n g e m b a n g a n p r o d u k d e p o s ti o 3 ) K o m p o s i s i n a s a b a h d e p o s ti o 4 ) P e l a y a n a n n a s a b a h 5 ) B i a y a p e n g h i m p u n a n d a n a d e p o s ti o

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n s e k s i l a i n 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k l a i n t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n g e l o l a a n d e p o s ti o 2 ) P e r e n c a n a a n p e n g e m b a n g a n d e p o s ti o 3 ) P e l a p o r a n p e r k e m b a n g a n d e p o s ti o k e p a d a K e p a l a B a g i a n 4 ) P e r h ti u n g a n b u n g a a t a s d e p o s ti o 5 ) E v a l u a s i k e g i a t a n p e n g e m b a n g a n d e p o s ti o

  1 4 . K e p a l a B a g i a n A k u n t a n s i d a n K e u a n g a n A t a s a n L a n g s u n g : D ri e k t u r B e tr a n g g u n g J a w a b K e p a d a : D ri e k t u r a . M i s i J a b a t a n

  M e l a k s a n a k a n d a n m e n g a d m i n i s rt a s i k a n rt a n s a k s i k a s d a n rt a n s a k s i l a i n n y a , d a n m e m b e ir k a n p e l a y a n a n y a n g c e p a t , t e p a t d a n a k u r a t , s e tr a m e l a p o r k a n i n f o r m a s i y a n g a k u r a t d a n t e p a t w a k t u k e p a d a p i h a k i n t e r n d a n e k s t e r n .

  b . K e y R e s u l t A r e a ( K R A )

  1 ) P e l a k s a n a a n rt a n s a k s i k a s 2 ) P e l a y a n a n 3 ) P e n g a r s i p a n v o u c h e r , b u k t i rt a n s a k s i 4 ) P e m b e ir a n s e r v i c e i n f o r m a s i k e p a d a m a n a j e m e n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  6 P h e l o n a s u t u p e k n a li b m a g n e p k u t n u i s n a t n u k a i s a m r o f n i n a a i d e y n e

  K n a g n a u e n a d i s n a t n u k A n a i g a B a l a p e K :

  K n a g n a u e n a d i s n a t n u k A n a i g a B a l a p e K : K a d a p e b a w a J g n u g g n a tr e B

  5 1 a r o p a L i s k e S a l a p e K k a j a P n a d n L g n u s g n a n a s a t A

  .

  9 P f a t s n a u p m a m e k n a g n a b m e g n e p n a d n a t a k g n i n e ) 1 l a n o i s a r e p o n a t a i g e k n a s a w a g n e P

  8 P n i a l k a h i p a d a p e k n a g n a u e k i s a m r o f n i n a a i d e y n e )

  K g a b a n a d i s k e ri D ) 7 n a n u h a t n a d a s a m T P S n a n u s u y n e P )

  . c g n a n e w e W )

  1 B ti a k r e t n a i g a n a g n e d i s a n i d r o o k n a k u k a l e M )

  4 P n a a h a s u r e p n a g n a u e k n a il a d n e g n e p n a d n a a n a c n e r e )

  3 P n r e t n i k a h i p a d a p e k n a a h a s u r e p n a t a i g e k n a r o p a l e p n a d n a t a u b m e n r e t s k e n a d )

  ) 2 it k u b n a p i s r a g n e P – n a g n a u e k i s k a s n a rt i t k u b )

  . d b a w a J g n u g g n a T ) 1 it k u b n a r a n e b e k n a d n a h a s b a e K – i t k u b n a r o p a l n a d i s k a s n a rt n a g n a u e k

  5 R 2 p m u m i s k a m i a p m a s g n a u a l o l e g n e M ) 4 k n a b e k g n a u n a k r o t e y n e M

  3 , . .

  2 M ti a k r e t n i a l k a h i p u a t a i s n a t s n i n a g n e d a m a s a jr e k n a k u k a l e )

  5 E n a a h a s u r e p n a g n a u e k n a g n a b m e k r e p n a r o p a l e p n a d i s a u l a v )

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  M e n y e l e n g g a r a k a n p e n c a t a t a n rt a n s a k s i k e u a n g a n s e c a r a t e p a t , c e p a t , a k u r a t , d a n m e n y u s u n l a p o r a n k e u a n g a n d a n l a p o r a n l a i n n y a s e c a r a l e n g k a p , a k u r a t , d a n t e p a t w a k t u b a i k u n t u k k e p e n it n g a n i n t e r n m a u p u n e k s t e r n .

  b . K e y R e s u l t A r e a ( K R A ) v o u c h e r ,

  1 ) P e n g a r s i p a n b u k t i rt a n s a k s i

  s e r v i c e

  2 ) P e m b e ir a n i n f o r m a s i k e p a d a m a n a j e m e n 3 ) P e m b e ir a n l a p o r a n k e p a d a p i h a k e k s t e r n , s e p e tr i K a n t o r P a j a k , B a n k I n d o n e s i a c . W e w e n a n g

  1 ) M e l a k u k a n k o o r d i n a s i d e n g a n S e k s i t e r k a ti 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k l a i n t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n c a t a t a n s e m u a rt a n s a k s i k e u a n g a n y a n g t e jr a d i s e c a r a b e n a r

  2 ) P e n g a r s i p a n – b u k it b u k t i rt a n s a k s i k e u a n g a n 3 ) K e b e n a r a n d a n k e a b s a h a n d a t a a k u n t a n s i 4 ) P e m b u a t a n d a n p e l a p o r a n k e u a n g a n u n t u k k e p e n it n g a n i n t e r n a l d a n e k s t e r n a l p e r u s a h a a n 5 ) P e m b i n a a n d a n p e n g e m b a n g a n s t a f

  1 6 . K e p a l a S e k s i K e u a n g a n d a n A n g g a r a n A t a s a n L a n g s u n g : K e p a l a B a g i a n A k u n t a n s i d a n K e u a n g a n B e tr a n g g u n g J a w a b K e p a d a : K e p a l a B a g i a n A k u n t a n s i d a n K e u a n g a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M i s i J a b a t a n M e l a k s a n a k a n k e g i a t a n o p e r a s i o n a l rt a n s a k s i k e u a n g a n s e c a r a t e p a t , c e p a t , a k u r a t , m e r e n c a n a k a n d a n m e n g e n d a il k a n rt a n s a k s i k e u a n g a n s e c a r a a k u r a t d a n t e p a t w a k t u .

  b . K e y R e s u l t A r e a ( K R A )

  1 ) P e l a k s a n a a n d a n p e l a p o r a n rt a n s a k s i k a s 2 ) P e l a y a n a n n a s a b a h 3 ) P e r e n c a n a a n d a n p e n g e n d a il a n k e u a n g a n ( R K A ) c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n S e k s i t e r k a ti 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k l a i n t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n y u s u n a n a n g g a r a n k e u a n g a n

  2 ) P e n g e n d a il a n a r u s k a s m a s u k d a n k e l u a r 3 ) K e l a n c a r a n p e l a y a n a n n a s a b a h 4 ) P e l a p o r a n d a n k e b e n a r a n rt a n s a k s i k a s 5 ) P e l a k s a n a a n k e g i a t a n o p e r a s i o n a l 6 ) P e n i n g k a t a n d a n p e n g e m b a n g a n k e m a m p u a n s t a f n y a

  1 7 . K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a A t a s a n L a n g s u n g : D ri e k t u r B e tr a n g g u n g J a w a b K e p a d a : D ri e k t u r

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  . a n a t a b a J i s i M , a jr e k e p n a g n a b m e g n e p n a d , n a t a h e s e k , n a a r e t h a j e s e k g n u k u d n e M

  , n a d a n a r a s a y n a i d e s r e t n a d a jr e k n a n a m a e k , n a n a m a y n e k a g a j n e m n a d a u j u t r a g a n a i g a b h u r u l e s k u t n u a jr e a n a r a s a r p .i a p a c r e t i a a s i n a g r o n

  . b a e r A t l u s e R y e K ) A R K ( ) 1 i a w a g e p n a t a h e s e k n a d n a a r e t h a j e s e K ) 2 i a w a g e p n a il h a e k n a g n a b m e g n e P ) 3 a jr e k n a n a m a y n e K ) 4 a jr e k n a n a m a e K ) 5 a jr e k a n a r a s a r p n a d a n a r a S

  . c g n a n e w e W )

  1 B ti a k r e t n a i g a n a g n e d i s a n i d r o o k n a k u k a l e M ) 2 n a g n e d a m a s a jr e k n a k u k a l e M ti a k r e t n i a l k a h i p u a t a i s n a t s n i

  . d b a w a J g n u g g n a T )

  1 , a il a n o s r e p n a d T R , m u m u g n a d i b i d n a t a i g e k a n a c n e r n a n u s u y n e P

  ) 2 k u t n e b n a g n a c n a r e P – n a g n a b m e g n e p k u t n u n a h it a l e p k u t n e b a i s u n a m a y a d r e b m u s

  )

  3 P n a w a y r a k a d a p n a a n i b m e p n a d n a il a d n e g n e ) 4 s a h i s a u l a v e n a d n a r o p a l e P a y n n a i g a b i d n a t a i g e k n a a n a s k a l e p l i

  )

  5 , r o t n a k n a t a l a r e p n a d s ir a t n e v n i n a k a t e c n e p n a a i d e s r e p n a a d a g n e P

  ) a n a r a s a r p n a d a n a r a s ( )

  6 P a jr e k n a n a m a e k n a d n a n a m a y n e k i s i d n o k n a a t p i c n e

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8 ) P e l a k s a n a a n k e jr a s a m a d e n g a n p i h a k l a i n

  1 8 . K e p a l a S e k s i U m u m d a n R u m a h T a n g g a A t a s a n L a n g s u n g : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a B e tr a n g g u n g J a w a b K e p a d a : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a a . M i s i J a b a t a n

  M e n d u k u n g k e l a n c a r a n , k e n y a m a n a n , d a n k e a m a n a n p e l a k s a n a a n t u g a s b a g i s e l u r u h j a j a r a n m a n a j e m e n d a n k a r y a w a n m e l a l u i p e n y e d i a a n s a r a n a d a n p r a s a r a n a k e jr a s e tr a p e l a y a n a n u m u m d a n r u m a h t a n g g a .

  b . K e y R e s u l t A r e a ( K R A )

  1 ) K e n y a m a n a n k e jr a 2 ) K e a m a n a n k e jr a 3 ) S a r a n a d a n p r a s a r a n a k e jr a c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n S e k s i t e r k a ti 2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k l a i n t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n y u s u n a n r e n c a n a k e g i a t a n

  2 ) K e a m a n a n d a n k e b e r s i h a n k a n t o r 3 ) P e n g a t u r a n t u g a s o p e r a s i o n a l 4 ) P e n g a d a a n d a n p e m e il h a r a a n s a r a n a d a n p r a s a r a n a 5 ) P e l a p o r a n h a s i l p e l a k s a n a a n k e p a d a K e p a l a B a g i a n

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  7 ) P e r s e d i a a n b a r a n g h a b i s p a k a i

  1 9 . K e p a l a S e k s i P e r s o n a il a A t a s a n L a n g s u n g : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a B e tr a n g g u n g J a w a b K e p a d a : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a a . M i s i J a b a t a n

  M e n g i m p l e m e n t a s i k a n k e b ji a k a n p e r u s a h a a n d a l a m b i d a n g s u m b e r d a y a m a n u s i a ( p e r s o n a il a ) d a l a m r a n g k a m e n i n g k a t k a n k e a h il a n ( k o m p e t e n s )i , k e s e j a h t e r a a n , d a n k e s e h a t a n s e l u r u h k a r y a w a n .

  b . K e y R e s u l t A r e a ( K R A )

  1 ) K e s e j a h t e r a a n d a n k e s e h a t a n p e g a w a i 2 ) P e n g e m b a n g a n k e a h il a n p e g a w a i c W . e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n S e k s i t e r k a ti

  2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k l a i n t e r k a ti d . T a n g g u n g J a w a b 1 ) P e n y u s u n a n p r o g r a m r e k r u ti m e n , p e n i n g k a t a n k e s e j a h t e r a a n , p e m b i n a a n d a n p e n g e m b a n g a n k a r y a w a n 2 ) P e l a k s a n a a n k e g i a t a n p e n d i d i k a n d a n p e l a it h a n 3 ) P e l a k s a n a a n p e n li a i a n k i n e jr a 4 ) P e r u m u s a n s i s t e m p e n g g a ij a n d a n j e n j a n g k a r ri 5 ) P e l a k s a n a a n p e r a t u r a n p e r u s a h a a n d a n k e g i a t a n o l a h r a g a

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  2 . S e k r e t a ir s A t a s a n L a n g s u n g : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a B e tr a n g g u n g J a w a b K e p a d a : K e p a l a B a g i a n U m u m , R T , d a n P e r s o n a il a a . M i s i J a b a t a n

  M e l a k s a n a k a n p e n g u r u s a n k e s e k r e t a ir a t a n p e r u s a h a a n g u n a k e l a n c a r a n t u g a s D ri e k s i d a n k a r y a w a n l a i n n y a

  b . K e y R e s u l t A r e a ( K R A )

  1 ) A g e n d a k e g i a t a n D ri e k s i 2 ) D i s t ir b u s i , k o r e s p o n d e n s i , d a n p e n g a r s i p a n s u r a t 3 ) L a l u il n t a s t e l e p o n c . W e w e n a n g

  1 ) M e l a k u k a n k o o r d i n a s i d e n g a n B a g i a n t e r k a ti d . T a n g g u n g J a w a b 1 ) K e l a n c a r a n t u g a s D ri e k s i 2 ) K o r e s p o n d e n s i d a n p e n g a r s i p a n s u r a t 3 ) P e n y u s u n a n a g e n d a k e g i a t a n D ri e k s i 4 ) D i s t ir b u s i k e l u a r m a s u k s u r a t 5 ) L a l u il n t a s t e l e p o n

  2 1 . S a t u a n P e n g a m a n a n ( S a t p a m ) A t a s a n L a n g s u n g : K e p a l a S e k s i U m u m d a n R T B e tr a n g g u n g J a w a b K e p a d a : K e p a l a S e k s i U m u m d a n R T

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M i s i J a b a t a n M e n y e l e n g g a r a k a n k e g i a t a n p e n g a m a n a n k a n t o r d a n il n g k u n g a n s e k ti a r k a n t o r s e tr a p e n g a m a n a n a s s e t p e r u s a h a a n . b . K e y R e s u l t A r e a ( K R A ) 1 ) K e a m a n a n k a n t o r , il n g k u n g a n k a n t o r d a n a s s e t p e r u s a h a a n

  2 ) K e l a n c a r a n d a n k e a m a n a n L a l u il n t a s d i s e k ti a r k a n t o r p e r u s a h a a n 3 ) K e n y a m a n a n t a m u c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n i n s t a n s i t e r k a i t ( P o l ir ,

  K o r a m i /l B a b i n s a , P e n g u r u s L i n g k u n g a n ) 2 ) M e r u m u s k a n s i s t e m d a n p r o s e d u r p e n g a m a n a n y a n g e f e k it f d a n e if s i e n d . T a n g g u n g J a w a b

  1 ) K e a m a n a n il n g k u n g a n k a n t o r d a n s e k ti a r n y a 2 ) K e a m a n a n a s e t p e r u s a h a a n 3 ) K e a m a n a n d a n k e l a n c a r a n L a l u il n t a s d i il n g k u n g a n k a n t o r d a n s e k ti a r n y a 4 ) P e n g a w a l a n p e t u g a s o p e r a s i o n a l 5 ) L a l u il n t a s t e l e p o n s e t e l a h j a m k e jr a 6 ) D i s t ir b u s i k e l u a r m a s u k s u r a t s e t e l a h j a m k e jr a

  2 2 . P e n g e m u d i ( s o p ri ) A t a s a n L a n g s u n g : K e p a l a S e k s i U m u m d a n R T

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  a . M i s i J a b a t a n M e n g e m u d i k a n k e n d a r a a n y a n g d ti u g a s k a n k e t u j u a n y a n g d ti e t a p k a n D ri e k s i m a u p u n k a r y a w a n d e n g a n c a r a y a n g n y a m a n d a n a m a n

  b . K e y R e s u l t A r e a ( K R A )

  1 ) K e b e r s i h a n k e n d a r a a n 2 ) K o n d i s i k e n d a r a a n ( k e s i a p a n k e n d a r a a n ) 3 ) C a r a m e n g e m u d i ( k e a m a n a n d a n k e n y a m a n a n ) 4 ) K e t a a t a n k e p a d a p e r a t u r a n l a l u il n t a s c . W e w e n a n g 1 ) M e l a k u k a n s e m u a p e m e ir k s a a n k o m p o n e n d a n k e l e n g k a p a n k e n d a r a a n 2 ) M e m b a w a k e n d a r a a n k e b e n g k e l d a n m e n g i s i b a h a n b a k a r d . T a n g g u n g J a w a b 1 ) K e s i a p a n k e n d a r a a n

  2 ) K e s e l a m a t a n p e t u g a s / k a r y a w a n 3 ) K e l a n c a r a n t u g a s 2 3 . K e p a l a S P I d a n L ti b a n g

  A t a s a n L a n g s u n g : D ri e k t u r B e tr a n g g u n g J a w a b K e p a d a : D ri e k t u r a . M i s i J a b a t a n

  M e n g a w a s i a g a r s i s t e m d a n p r o s e d u r b e jr a l a n s e s u a i d e n g a n a t u r a n y a n g b e lr a k u

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  b . K e y R e s u l t A r e a ( K R A ) 1 ) L a p o r a n p e m e ir k s a a n 2 ) E v a l u a s i t e m u a n 3 ) R e k o m e n d a s i a t a s t e m u a n p e m e ir k s a a n c . W e w e n a n g 1 ) M e l a k u k a n k o o r d i n a s i d e n g a n B a g i a n t e r k a ti

  2 ) M e l a k u k a n k e jr a s a m a d e n g a n i n s t a n s i a t a u p i h a k t e r k a i t 3 ) M e l a k u k a n i n v e s it g a s i l a n g s u n g k e p a d a n a s a b a h 4 ) M e l a k u k a n p e m e ir k s a a n a t a s p e l a k s a n a a n t u g a s s e it a p B a g i a n d . T a n g g u n g J a w a b 1 ) P e n g a w a s a n s e m u a k e g i a t a n d i p e r u s a h a a n a g a r b e jr a l a n d e n g a n b a i k d a n b e n a r 2 ) P e n g a w a s a n t e r h a d a p p r o s e s d a n p r o s e d u r a k u n t a n s i 3 ) P e n g e m b a n g a n s i s t e m d a n p r o s e d u r o p e r a s i o n a l

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  1 . K r e d i t U m u m L a t a r b e l a k a n g p e l a y a n a n K r e d i t U m u m a d a l a h k e p ir h a it n a n p a r a p e n d ri i B D E t e r h a d a p r e n d a h n y a it n g k a t k e s e j a h t e r a a n m a s y a r a k a t d i s e k ti a r P a k e m a k i b a t m e r a j a l e l a n y a p r a k it k r e n t e n ri . D a n s a m p a i s a a t i n i , s e m a n g a t u n t u k m e n i n g k a t k a n k e s e j a h t e r a a n m a s y a r a k a t d i P a k e m d a n D

  I Y p a d a u m u m n y a m e r u p a k a n n a f a s d a r i p e n y a l u r a n K r e d i t U m u m i n .i a . P e n g g u n a a n K r e d i t A d a it g a k e g u n a a n y a n g d li a y a n i B D E m e l a l u i K r e d i t U m u m , y a ti u : 1 ) K r e d ti

  I n v e s t a s i 2 ) K r e d i t M o d a l K e jr a 3 ) K r e d i t K o n s u m t fi . D i m a n a u n t u k k r e d i t k o n s u m it f m e n g a n d u n g s y a r a t b a h w a p e m o h o n h a r u s m e m p u n y a i u s a h a p r o d u k it f s e b a g a i p e n d u k u n g u t a m a s u m b e r p e n g e m b a il a n k r e d ti . K a r e n a p a d a i n it n y a , p e m b e ir a n k r e d i t k o n s u m it f n a n it n y a d a p a t m e m b e r i n li a i t a m b a h b a g i n a s a b a h , b a i k ti u b e r u p a a s e t , k e p a s it a n m a s a d e p a n k e l u a r g a , j a m i n a n k e s e h a t a n y a n g p a d a a k h ri n y a a k a n m e n d o r o n g it n g k a t p r o d u k it v ti a s u s a h a n a s a b a h . b . P e r s y a r a t a n P i n j a m a n 1 ) S y a r a t u t a m a : m e m p u n y a i u s a h a p r o d u k t fi .

  2 ) U s a h a y a n g d ji a l a n k a n s u d a h b e jr a l a n m i n i m a l 1 t a h u n . 3 ) U s a h a d a n d o m i s li i b e r a d a d i w li a y a h K a b u p a t e n S l e m a n , K o t a

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  7

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  I Y d e n g a n d i u t a m a k a n d i w li a y a h K a b u p a t e n S l e m a n d a n K o d y a Y o g y a k a tr a s e tr a K a b u p a t e n B a n t u l b a g i a n u t a r a . b ) T e l a h b e r s e r it if k a t S H M , H G B , a t a u H G U . c ) M e l a m p ri k a n b u k t i p e m b a y a r a n p a j a k a t a s t a n a h t a h u n t e r a k h ri . d ) M e m p u n y a i a k s e s j a l a n .

  e ) M a r k e t a b l e .

  f ) D li a m p ri i k e t e r a n g a n t a n a h d a r i d u s u n d a n k e l u r a h a n s e t e m p a t . g ) U s a h a y a n g d ji a l a n k a n s u d a h b e jr a l a n m i n i m a l 1 t a h u n . h ) U n t u k p l a f o n d d i a t a s R p 1 . . , - e d n g a n i k a t a n j a m i n a n S K M H T .

  )i U n t u k p l a f o n d R - p 5 . . , k e a t a s d e n g a n i k a t a n j a m i n a n A P H T .

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  8 c ) U n t u k p l a f o n d d i a t a s R p 1 . . - , p e n g i k a t a n j a m i n a n : F i d u c i a . d ) U n t u p - k l a f o n d R p

  2 5 . . , k e a t a s p e n g i k a t a n j a m i n a n : F i d u c i a D i d a tf a r k a n . d . D e p o s ti o d i B P R B h a k t i D a y a E k o n o m i 1 ) N li a i d e p o s ti o d i a t a s n li a i k r e d i t y a n g d i m i n t a .

  2 ) B u n g a k r e d i t d a p a t t e r c o v e r o l e h b u n g a d e p o s ti o y a n g d ji a m i n k a n p a d a it a p a n g s u r a n . e . P r o s e d u r P i n j a m a n : 1 ) M e l e n g k a p i f o r m p e r m o h o n a n .

  2 ) M e l a m p ri k a n s u r a t k e t e r a n g a n t a n a h ( u n t u k j a m i n a n t a n a h ) . 3 ) M e l a m p ri k a n f o t o c o p y : a )

  I d e n t ti a s y a n g m a s i h b e lr a k u ( K T P / S I M ) . b ) A k t e N i k a h & K K . c ) J a m i n a n . d ) I - ij n i ij n y a n g d i m i il k i . e ) R e k e n i n g t a b u n g a n 3 b u l a n t e r a k h ri . 4 ) B e r d a s a r k a n b e r k a s p e r m o h o n a n k r e d i t t e r s e b u t p e t u g a s a n a il s i s / s u r v e y o r m e l a k u k a n p e n i n j a u a n d i t e m p a t u s a h a , t e m p a t it n g g a l d a n j a m i n a n n a s a b a h d a n m e n d o k u m e n t - a s i k a n h a l h a l y a n g d i p e lr u k a n .

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  8 P g n a y n a g n a r o r e p t i d e r k h a l a d a i n i t i d e r k s a ti li s a f a y n r a s a d a d a F g n a y h a b a s a n i g a b n a k u t n u r e p i d i n i t i d e r k s a ti li s a . n a k fi t k e l o k i d n a g n a g a d r e p g n a d i b i d f it k u d o r p a h a s u i a y n u p m e m

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  6 k e p e m i il k a n . b ) T i d a k d li a k u k a n p e n g i k a t a n t e r h a d a p b a r a n g j a m i n a n . c ) B a r a n g j a m i n a n t e t a p d i b a w a d a n d i k u a s a i o l e h d e b ti o r , o l e h k a r e n a n y a p ir n s i p k e h a it h a a n d a n k - it e p - e r c a y a a n b e n a r b e n a r d i p e lr u k a n . d . P r o s e d u r P i n j a m a n : 1 ) M e n g i s i f o r m u il r p e r m o h o n a n .

  2 ) M e l a m p ri k a n f o t o c o p y K T P / S I M . 3 ) P e r m o h o n a n d a p a t d i it it p k a n k e p a d a p e t u g a s o p e r a s i o n a l . 4 ) P e t u g a s a k a n m e l a k u k a n s u r v e y s e tr a a n a il s a m e n g e n a i k e a d a a n u s a h a d a n t e m p a t it n g g a l m a s - i n g m a s i n g p e m o h o n k r e d ti .

  5 ) A p a b li a d a r i h a s i l a n a il s a m e m e n u h i s y a r a t u n t u k d i b e ir k a n p i n j a m a n , m a k a p e t u g a s a k a n m e l a k u k a n d r o p p i n g p i n j a m a n d a n y a n g a k a n m e n y e r a h k a n p i n j a m a n k e p a d a k e t u a k e l o m p o k d i t e m p a t k e d i a m a n k e t u a k e l o m p o k .

  6 ) P a d a s a a t p e n c a ri a n p i n j a m a n s e m u a a n g g o t a h a r u s h a d i r ( it d a k d a p a t d i w a k li k a n ) d a n m e n e ir m a s e n d ri i u a n g p i n j a m a n n y a . e . P r o s e d u r P e m b a y a r a n A n g s u r a n , P e l u n a s a n d a n P e n g a m b li a n J a m i n a n : 1 ) D e b ti o r h a r u s m e m b a y a r a n g s u r a n p i n j a m a n s e it a p b u l a n n y a p a d a t a n g g a l y a n g s a m a d e n g a n t a n g g a l p a d a s a a t p e n c a ri a n p i n j a m a n n y a .

  2 ) P a d a s a a t m e n g a n g s u r d i w a ij b k a n p u l a u n t u k m e n a b u n g y a n g

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  7 3 ) D e b ti o r m e m b a y a r a n g s u r a n m e l a l u i k e t u a k e l o m p o k y a n g k e m u d i a n s e c a r a k o l e k it f a k a n d i a m b i l o l e h p e t u g a s .

  4 ) P i n j a m a n y a n g d i b e ir k a n k e p a d a d e b ti o r h a r u s l u n a s p a il n g l a m b a t p a d a s a a t j a t u h t e m p o p e jr a n ij a n k r e d ti .

  5 ) J a m i n a n y a ti u t a b u n g a n h a n y a d a p a t d i a m b i l a p a b li a p i n j a m a n t e l a h l u n a s .

  .f - K e t e n t u a n k e t e n t u a n : 1 ) B e s a r n y a p l a f o n d p i n j a m a n 6 k a l i d a ir t a b u n g a n b e k u y a n g a d a d i b a n k , d e n g a n c a t a t a n : a ) N a s a b a h b a r u , m a k s i m a l p i n j a m a n s e b e s a r R p 2 . . , p e r o r a n g . b ) N a s a b a h l a m a , m a k s i m a l p i n j a m a n s e b e s a r R p 5 . . , p e r o r a n g .

  2 ) J a n g k a w a k t u p i n j a m a n : 1 ,

  1 2 , d a n

  1 8 b u l a n . 3 ) B u n g a p i n j a m a n 1 ,

  7 5 % t e t a p p e r b u l a n . 4 ) P o t o n g - a n p o t o n g a n : a ) B i a y a p r o v i s i & a d - m i n i s rt a s i m a s i n g m a s i n g s e b e s a r ,

  5 % d a r i

  p l a f o n d p i n j a m a n .

  b ) B i a y a m a t e r a i R p 3 . , u n t u k p l a f o n d p i n j a m a n s a m p a i d e n g a n R p 1 . . , a t a u b i a y a m a t e r a i R p 6 . , u n t u k

  p l a f o n d p i n j a m a n l e b i h d a r i R p 1 . . , .

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  , t a r a y s n a g n e d k n a B - t a r a y s : ) a

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  ) c . t a k a r a y s a m n a t a i g e k m a l a d i d f it k A ) d

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  ) f . a y n n a g n u k g n il i d h a t n ir e m e p t a r a p a h e l o i u h a t e k i d n a m a j n i P

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  K e l o m p o k d a n K r e d i t P e g a w a i . N a m u n d a r i b e b e r a p a j e n i s p r o d u k k r e d ti i n i h a n y a k r e d i t u n t u k U s a h a M i k r o d a n K e c li s a j a y a n g a k a n d i b a h a s p e n u l i .s K r e d i t u n t u k U s a h a M i k r o d a n K e c li m e u p a - r k a n s a t u s a t u n y a k r e d i t y a n g a k a n d i b a h a s d a n a k a n d ti e n t u k a n p e r h ti u n g a n n y a . D a t a y a n g d i p e r o l e h a d a l a h p i n j a m a n o l e h n a s a b a h , o m z e t p e n j u a l a n 3 b u l a n s e b e l u m m e n g a m b i l k r e d i t ( p e n g a m b li a n s a m p e l d - li a k u k a n p a d a b u l a n b u l a n d i m a n a a k it v ti a s d i a n g g a p n o r m a )l , d a n l a b a

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  • b u l a n b u l a n d i m a n a a k it v ti a s d i a n g g a p n o r m a )l . S a m p e l y a n g d i a m b i l s e b a n y a k

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  1 . M a n g a n a il s i s o m z e t p e n j u a l a n a . M e l a k u k a n p e m i il h a n p e r o d e a k it v ti a s o p e r a s i y a n g d i a n g g a p n o r m a l ( it d a k d i p e n g a r u h i o l e h m u s i m , k e a d a a n a l a m , m a u p u n k e b ji a k a n p e m e ir n t a h .) b . M e m b u a t t a b e l o m z e t p e n j u a l a n U M K s e b e l u m m e n g a m b i l d a n s e s u d a h m e n g a m b i l k r e d ti

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

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  6

  1

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  2

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  4

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  7

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  1

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5

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  2

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  1

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  2

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  1 J r u m a a h a s u g n e P . ,

PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1

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  5

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  6

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  1

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  1

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  7

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  6

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  1

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  6

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  1

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  1

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  I B M A G N E M H A L E T E S N A L U B B 3 A A L

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PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI PLAGIAT MERUPAKAN TINDAKAN TIDAK TERPUJI

  8

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  I D E R K O N A H A S U N A G N A R E T E K T

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  P e n e l ti i it d a k d a p a t m e l a k u k a n k o n t a k l a n g s u n g d e n g - a n n a s a b a h n a s a b a h y a n g m e n g a m b i l k r e d ti . I d e n t ti a s n a s a b a h m e r u p a k a n s e s u a t u y a n g s a n g a t d ji a g a o l e h b a n k . I n f o r m a s i y a n g d i p e r o l e h p u n t e r b a t a s . D e n g a n it d a k d a p a t m e l a k u k a n k o n t a k l a n g s u n g d e n g a n n a s a b a h , p e n e l ti i h a n y a d a p a t m e il h a t o b j e k y a n g a k a n d ti e il t i d a r i s u d u t p a n d a n g b a n k s e m a t a , a r it n y a a d a b e b e r a p a d a t a l a i n y a n g m e m a n g d i p e lr u k a n u n t u k p e n e il it a n i n i it d a k d a p a t d i p e r o l e h , s e h i n g g a p e n u il s h a n y a d a p a t m e n g g u n a k a n d a t a y a n g d i b e ir k a n o l e h b a n k d e n g a n s e m a k s i m a l m u n g k i n d e n g a n s e g a l a k e t e r b a t a s a n n n y a .

  P e n e il it a n it d a k d a p a t b e jr a l a n s e b a g a i m a n a m e s it n y a d e n g a n m e t o d e y a n g s e m u l a d i s u s u n o l e h p e n e il it . H a l i n i m e m b u a t h a s i l d a r i p e n e il it a n k u r a n g s e m p u r n a . P e n e l ti i h a n y a m e n g o p it m a l k a n d a t a y a n g t e r b a t a s d i p e r o l e h d a r i b a n k , u n t u k d a p a t m e il h a t p e n g a r u h o m s e t p e n j u a l a n d a n l a b a s e b e l u m d a n s e s u d a h m e n g a m b i l k r e d ti .

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  2 . B a g i U M K B e r d a s a r k a n f a k t a d a r i d a t a y a n g d i a n a il s i s , m a s i h a d a b e b e r a p a U M K y a n g it d a k m e m p u n y a i t a r g e t p e n c a p a i a n p e n d a p a t a n s e t e l a h m e l a k u k a n k r e d ti . U M K y a n g it d a k a d a p e n i n g k a t a n t e r h a d a p o m s e t p e n j u a l a n n y a s e t e l a h m e n g a m b i l k r e d ti s e b a i k n y a m e m p u n y a i t a r g e t u n t u k m e n i n g k a t k a n p e n d a p a t a n s e t e l a h m e l a k u k a n k r e d ti , s e h i n g g a U M K d a p a t m e l u n a s i p i n j a m a n b a n t u a n u s a h a b e ir k u t b u n g a n y a k e p a d a p i h a k b a n k .

  3 . B a g i P e n e l ti i S e l a n j u t n y a P e n e l ti i b e r h a r a p s u p a y a p e n e l ti i s e l a n j u t n y a l e b i h d a l a m l a g i m e m b a h a s t e n t a n g p e n g a r u h p e n y a l u r a n k r e d i t t e r h a d a p o m z e t d a n l a b a , s e tr a b e r h a s i l m e n d a p a t k a n d a t a y a n g l e b i h l e n g k a p s e h i n g g a h a s i l p e n e il it a n y a n g d i p e r o l e h d a p a t l e b i h m a k s i m a .l

  

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