Artikel Jurnal Pembelian Kredit Pdf

Artikel Jurnal Pembelian Kredit Pdf

ABSTRACT

Credit is a loan by another party which will be refunded at any given time with the amount of interest, reward or distribution of proceeds or received now will be returned in the future. Based on SUTANTO’s research, Noengky Anastasia Onik Djohan (2005), namely Bank before channeling funds through financing to customers, the Bank first perform customer assessment (credit analysis) to determine whether or not the customer receives credit. In determining the eligibility of lending to prospective borrowers there are several criteria that become assessments. This assessment is based on qualitative analysis ie 5C analysis (character, capital, capacity, collateral, condition of economy). In order to facilitate the determination of credit worthiness, a model of decision support system of creditworthiness assessment is established. The application development step begins with the system requirement analysis that is input, process and output analysis, then designing the system in the form of data modeling and process modeling design. System design is implemented into Visual Basic 6.0 programming language and using Ms Access as database. The last step is testing the system with black box test and alpha test.From the research that has been done then generated a software model decision support system of credit granting feasibility assessment for decision makers or credit analysis. Information generated from this system is the amount of credit obtained and whether or not the prospective borrower gets credit. The test results show that this application is feasible and usable. Keywords: Decision Support System, Credit, 5C Analysis

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