标题：ANALYSIS OF POTENTIAL RETAIL BUSINESS CREDIT AND INTEREST CALCULATION METHOD TOWARD THE REVENUE OF PT BANK PEMBANGUNAN DAERAH JAWA TIMUR TBK (BANK JATIM), BRANCH SAMPANG: A STUDY AT CV MERDEKA MOTOR
摘要：The aim of this study was to investigate a potential business of credit retail of CV. Merdeka Motor in Sampang related to the attempt to increase the revenue of PT. Bank Pembangunan Daerah Jawa Timur Tbk (Bank Jatim) Sampang Branch. The result of this study showed that Bank Jatim Sampang Branch was likely to obtain higher revenue when they made correct and accurate assessment toward the prospective debtors. The assessment should be done based on 5C principles; Business Aspect, Collateral Aspect, and Credit Period. If debtors made on time payment, Bank Jatim Sampang Branch would find the money circulation more efficient. Credit calculation using annuity method also allows Bank Jatim Sampang Branch to obtain higher profit than using the perpetuity method.
关键词：Potential business retail credit; 5C principles; business aspect; collateral aspect; maturity period; annuity method; perpetuity method
