Analysis Of The Use Of Lpip In Improving The Effectiveness Of Credit Disbursement Procedures At Pt. Bank Permata

Abstract

The study aims to determine the implementation of credit distribution procedures and the improvement on the effectiveness of the procedures through Credit Information Management Agency (LPIP) on PT. Permata Bank. This study employs qualitative descriptive approach, involving primary data collected from interviews with Lending Business Support employees of PT. Permata Bank of Bintaro, and secondary data of books, literatures, regulations, and websites of institutions related to credit procedures. The results of the interactive model analysis exhibit that to address the lack of credit information and to implement the prudential banking principles, PT. Bank Permata utilizes LPIP services as a debtor information provider for credit analysis materials in distributing the credit. The study reveals the effectiveness of LPIP over the Financial Information Services System (SLIK) on the procedure of credit distribution in PT. Permata Bank, proven by the comparison of flow process, service time, and service information.