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ITS » Master Theses » Manajemen Teknologi Informasi-S2 MMT
Posted by hassane at 21/11/2008 06:12:20  •  29442 Views


FAKTOR-FAKTOR YANG MEMPENGARUHI PENGAJUAN KREDIT MODAL KERJA KONTRAKTOR SIDOARJO

FACTORS THAT INFLUENCE PROFFERING WORKING CAPITAL CREDIT of CONTRACTOR SIDOARJO

Author :
Istanto, Dwi Wahyu Yuli 




ABSTRAK

Bank adalah salah satu badan usaha yang menyediakan kredit modal kerja yang dapat dipakai oleh kontraktor Sidoarjo untuk mendukung pendanaan bagi pekerjaan yang diperolehnya. Modal kerja ini diperlukan untuk pengadaan material peralatan dan tenaga kerja serta keperluan lainnya seperti biaya administrasi untuk tender pajak asuransi dan sebagainya. Penelitian ini dilakukan untuk mengetahui faktor-faktor apa tentang kredit modal kerja yang diberikan bank kepada kontraktor untuk memenuhi kebutuhan dana dalam penyelesaian pekerjaan yang didapat. Penelitian ini dilakukan dengan cara melakukan studi literatur umum tentang pekreditan maupun literatur bank wawancara dengan pihak kontraktor dan dilanjutkan dengan survey kuisioner. Kuisioner diberikan kepada pihak kontraktor Sidoarjo yang mengajukan kredit modal kerja pada bank dan account officermanajer kredit bank yang mempunyai fasilitas kredit modal kerja. Analisa data dilakukan dengan analisa faktor menggunakan aplikasi program SPSS. Dari hasil analisis diperoleh 21 faktor yang dipertimbangkan oleh kontraktor Sidoarjo dalam pengajuan kredit modal kerja ke bank terdapat 29 faktor yang dipertimbangkan oleh bank dalam memberikan kredit modal kerja pada kontraktor Sidoarjo untuk mendukung penyelesaian proyek yang didapat. Sedangkan dari hasil analisa perbandingan diperoleh bahwa terdapat kecenderungan yang sama tentang cara pandang terhadap faktor-faktor pertimbangan kontraktor dalam pengambilan kredit dengan faktor-faktor pertimbangan pemberian kredit kepada kontraktor oleh bank.


ABSTRACT

Bank is one of the company providing working capital credit able to be weared by contractor Sidoarjo to support the financing to work obtained. This working capital is needed to a material levying equipments and labour and also other need like expense of administration for the tender of Iease insurance etc. This research is conducted to know about working capital credit given by bank to contractor to fulfill fund requirement in got completion of task. This research is conducted by studying common literature about credit and also bank literature interview with the contractor and continued by kuisioner survey. Kuisioner passed to contractor Sidoarjo who is raising working capital credit at bank and account officer credit manager of bank that having facility of working capital credit. Analyse the data done with the factor analysis use the application of program SPSS. Result from this research is 21 factor considered by contractor Sidoarjo in proffering of working capital credit to bank 29 factor considered by bank in giving of working capital credit to contractor Sidoarjo for support the got project solution. Beside that from the result of compare analysis there are same tendency about way of approach to factors of contractor consideration in credit intake with the factors of consideration of giving of credit to contractor by bank



KeywordsKredit Bank, Faktor Pertimbangan Kredit ; Perusahaan Kontraktor
 
Subject:  Analisis Sistem Manajemen
Contributor
  1. Ir. Rianto B. Adihardjo, MSc. PhD
    Supani Hardjo Diputro, ST, MT
Date Create: 21/11/2008
Type: Text
Format: pdf
Language: Indonesian
Identifier: ITS-Master-3100008032287
Collection ID: 3100008032287
Call Number: RTMT 332.7 Ist f


Source
Master Theses, Program Magister Manajemen Teknologi,, RTMT 658.312 5 Had p, 2007

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Copyright @2007 by ITS Library. This publication is protected by copyright and permission should be obtained from the ITS Library prior to any prohibited reproduction, storage in a retrievel system, or transmission in any form or by any means, electronic, mechanical, photocopying, recording, or likewise. For information regarding permission(s), write to ITS Library




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