摘要：PT. Bank X (Persero), Tbk has credit business unit and one of them is located in Bogor, which experienced decreased performance from year to year because of the increasing of competitiveness among rivalry. The decrease of performance measured both from realization of distribution credit and level of bad loans or Non Performing Loans (NPL). This research aimed to analyze the loan portfolio strategies based on the precautionary principle in the company. This research begins with identification factors affecting the company on its business both internal and external factors. The study was conducted qualitatively by filling questionnaires and in-depth interviews to seven experts on credit sector. Internal and external factors are treated with EFE-IFE matrix then IE matrix to determine the condition of the company, then a SWOT analysis to formulate some alternative strategies was carried out and last method is QSPM to choose the best strategic alternatives for the company. The results showed that the relative strength of the company has not been strong in overcoming internal weaknesses, but the company is considered good enough to take advantage of the opportunities that exist outside and can overcome challenges. Interest rates on loans, convenience and services to debtors, the technology owned by, also the opening of the public mindset about the banking world are the important factors that affect the company in doing business. Based on the QSPM result, supply chain utilization from existing debtor is the best strategy for prudent lending in company. Keyword: loan, non performing loan, IE Matrix, SWOT, QSPM ABSTRAK PT. Bank X (Persero), Tbk memiliki salah satu unit bisnis penyalur kredit yang terletak di Bogor dan mengalami penurunan kinerja dari tahun ke tahun akibat persaingan yang semakin kompetitif. Penurunan kinerja tersebut diukur dari sisi realisasi penyaluran kredit maupun dari tingkat kredit macet. Penelitian ini bertujuan untuk menganalisis strategi penyaluran kredit yang didasari dengan prinsip kehati-hatian di perusahaan. Penelitian diawali dengan identifikasi faktor-faktor yang memengaruhi perusahaan dalam menjalankan bisnisnya baik faktor internal maupun eksternal. Penelitian dilakukan dengan metode kualitatif melalui kuesioner dan in-depth interview kepada tujuh orang pakar perkreditan yang dipilih secara sengaja. Faktor internal dan eksternal tersebut diolah dengan matriks IFE-EFE dan matriks IE untuk mengetahui kondisi perusahaan, kemudian dilakukan analisis SWOT untuk merumuskan beberapa alternatif strategi dan metode QSPM untuk memilih alternatif strategi terbaik bagi perusahaan. Hasil penelitian menunjukkan bahwa perusahaan relatif belum baik dalam menanggulangi kelemahan internal, namun perusahaan dinilai dapat merespon dan memanfaatkan peluang yang ada di luar dan dapat mengatasi tantangan yang ada. Suku bunga pinjaman, kemudahan dan layanan bagi debitur, teknologi yang dimiliki serta semakin terbukanya pola pikir masyarakat tentang dunia perbankan merupakan faktor-faktor penting yang memengaruhi perusahaan dalam menjalankan bisnisnya. Berdasarkan hasil QSPM, pemanfaatan supply chain debitur eksisting merupakan strategi terbaik untuk penyaluran kredit secara prudent.
其他摘要：PT. Bank X (Persero), Tbk has credit business unit and one of them is located in Bogor, which experienced decreased performance from year to year because of the increasing of competitiveness among rivalry. The decrease of performance measured both from realization of distribution credit and level of bad loans or Non Performing Loans (NPL). This research aimed to analyze the loan portfolio strategies based on the precautionary principle in the company. This research begins with identification factors affecting the company on its business both internal and external factors. The study was conducted qualitatively by filling questionnaires and in-depth interviews to seven experts on credit sector. Internal and external factors are treated with EFE-IFE matrix then IE matrix to determine the condition of the company, then a SWOT analysis to formulate some alternative strategies was carried out and last method is QSPM to choose the best strategic alternatives for the company. The results showed that the relative strength of the company has not been strong in overcoming internal weaknesses, but the company is considered good enough to take advantage of the opportunities that exist outside and can overcome challenges. Interest rates on loans, convenience and services to debtors, the technology owned by, also the opening of the public mindset about the banking world are the important factors that affect the company in doing business. Based on the QSPM result, supply chain utilization from existing debtor is the best strategy for prudent lending in company.
关键词：pinjaman; kredit macet; Matriks IE; SWOT; QSPM Downloads Download data is not yet available;PDF Published 2015-12-30 How to Cite Mitrady; I.; Daryanto; H;K.; & Maulana; A;(2015);LOAN DISTRIBUTION STRATEGY PT;BANK X (PERSERO); TBK;BOGOR CREDIT BUSINESS UNIT;Jurnal Aplikasi Bisnis Dan Manajemen (JABM) ; 1 (2); 98;https://doi.org/10.17358/jabm.1.2.98 More Citation Formats ACM ACS APA ABNT Chicago Harvard IEEE MLA Turabian Vancouver Download Citation Endnote/Zotero/Mendeley (RIS) BibTeX Issue Vol;1 No;2 (2015): JABM Vol;1 No;2 Desember 2015 Section Articles Make a Submission Citation Analysis
