Laporan PKL
July 16, 2019 | Author: Gng Syn | Category: N/A
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LAPORAN PRAKTIK KERJA LAPANGAN
PROSEDUR RESTRUKTURISASI KREDIT KEPEMILIKAN RUMAH SEBAGAI BENTUK PROBLEM SOLVING TERHADAP TUNGGAKAN KREDIT OLEH NASABAH PADA BANK TABUNGAN NEGARA CABANG SEMARANG
Oleh : Nama NIM Jurusan
: : :
Ghanang Dwi Pamungkas 7211412100 Akuntansi S1 2012
JURUSAN AKUNTANSI FAKULTAS EKONOMI UNIVERSITAS NEGERI SEMARANG 2015
i
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KATA PENGANTAR
Puji syukur kepada Allah SWT yang telah memberikan rahmat, hidayah, serta
ridhonya
sehingga penyusunan Laporan Praktek Kerja Lapangan yang
berjudul “ Prosedur Restrukturisasi Kredit Kepemilikan Rumah sebagai Bentuk Problem Solving Terhadap Tunggakan Tunggakan Kredit Oleh Nasabah Pada Bank Tabungan Negara Kantor Cabang Semaraang” dapat diseleseikan dengan baik. baik. Laporan Praktek Keja Lapangan disusun sebagai salah satu syarat dalam menyelesaikan studi program Strata satu ( S1 ) Akuntansi Fakutas Ekonomi Universitas Negeri Semarang. Dalam penyusunan Lpaoran Praktek Kerja Lapangan ini penulis menddapatkan banyak bantuan baik secara langsung maupun tidak langsung dari berbagai pihak dalam ha membimbing, mengumpulkan data, serta pemberia saran. Pada kesempatan ini penulis ingin menyampaikan terima kasih kepada: 1. Bank Tabungan Negara Kantor Cabang Semarang yang telah memberikan fasilitas untuk pelaksanaan Praktek Kerja Lapangan. 2. Drs. Tarsis Tarmudji selaku dosen pembimbing yang selalu memberikan saran atas pelaksanaan PKL dan memberikan bimbingan dalam pelaksanaan PKL. 3. Aji Desyanto, Mas Ilham, Mb. Meina, Mas Irwan dan seluruh staff CCRD yang telah memberikan pengarahan dalam pembuatan laporan PKL dan
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4. Orangtua dan keluarga yang telah memberikan dukungan, doa yang sangat berarti, bantuan materiil maupun spiritual dalam penyusunan laporan ini. 5. SIDGY ( Seto, Inugraha, David, G, dan Yahya). 6. Teman – teman seperjuangan PKL di Bank Tabungan Negara yang senantiasa membantu. 7. Semua pihak yang tidak bisa disebutkan satu-persatu atas bantuanya selama penyusunan laporan ini. Dalam penyusunan Laporan Praktek Kerja Lapangan ini, penulis menyadari mssih banyak kekurangan dan keterbatasan. Oleh karena it u, penulis mengahrapkan masukan dari berbagai pihak, sehingga Laporan Praktik Kerja Lapangan ini bisa bermanfaat.
Semarang, Desember 2015 Penulis
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ABSTRAK
Ghanang Dwi Pamungkas “Proesedur Restrukturisasi Kredit Pemilikan Rumah Sebagai Bentuk Problem Solving Terhadap Tunggakan Kredit Oleh Nassabah Pada Bank Tabungan Semarang Kantor Cabang Semarang” Bank Tabungan Negara Kantor Cabang Semarang Program Studi Akuntansi S1 – S1 – Fakultas Fakultas Ekonomi Universitas Negeri Semaranng Tahun 2015 Praktek Kerja Lapangan merupakan kegiatan yang wajib dilaksanakan untuk mahasiswa non pendidikan sesuai dengan kurikulum tahun 2013 jurusan Akuntansi Fakultas Ekonomi. Tujuan Pengambilan judul ini adalah untuk menambah pengetahuan mahasiswa tentang Prosedur Restrukturisasi Kredit Kepemilikan Rumah pada Bank Tabungan Negara Kantor Cabang Semarang. Selain itu untuk melatih mempersiapkan diri dalam lingkungan kerja. Sedangkan manfaatnya adalah untuk mempererat hubungan kerja antara pihak universitas dengan instansi tersebut dan mempraktekkan ilmu yang telah diajarkan di perkuliahan. Metode perolehan data yang digunakan dalam penulisan laporan ini yaitu metode interview, metode observasi dan studi pustaka. Metode interview dilakukan dengan wawancara langsung dengan pihak yang terkait, metode observasi dilakukan dengan pengamatan langsung ke obyek peneliti dalam hal ini adalah Bank Tabungan Negara Kantor cabang Semarang. Metode studi pustaka diperoleh dengan mencari data-data melalui buku-buku atau referensi yang ada di divisi Consumer Collection and Remedial dan melalui website Bank Tabungan Negara. Hasil yang didapat dari kegiatan Praktek Kerja Lapangan adalah mengetahui alur kerja dan tanggung jawab Divisi Consumer Collection and Remidial khususnya dalam prosedur restrukturisasi kredit konsumer pada Bank Tabungan Negara Kantor Cabang Semarang.
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DAFTAR ISI
HALAMAN JUDUL ........................................... .................................................................. .................................. ........... i HALAMAN PENGESAHAN ........................................... ............................................................... .................... ii KATA PENGANTAR ....................... ............................................. ............................................. ............................... ........ iii ABSTRAK ............................................................................................ v DAFTAR ISI ........................................................ .............................................................................. .................................. ............ vi DAFTAR GAMBAR............................................ ................................................................... .................................. ........... viii DAFTAR LAMPIRAN ........................................ .............................................................. .................................. ............ ix
BAB 1 PENDAHULUAN
1.1 Latar Belakang.......................................... ................................................................. .................................. ........... 1 1.2 Pengertian Praktek Kerja Lapangan .......................................... .......................................... 3 1.3 Tujuan Praktek Kerja Lapangan ................................................ ................................................ 3 1.4 Manfaat Praktek Kerja Lapangan Lapangan ............................................. ............................................. 3 1.5 Metode Pengolahan Data .................................................. ........................................................... ......... 4 1.6 Ruang Lingkup Lingkup ........................................... .................................................................. ............................... ........ 5 1.7 Teknis Pelaksanaan PKL ........................................... ........................................................... ................ 6 BAB 2 PAPARAN LAPORAN PKL
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2.1.2 Visi dan Misi Bank Tabungan Negara............................... Negara ............................... 9 2.1.3 Lokasi Instansi .................................... .......................................................... ............................... ......... 10 2.1.4 Struktur Organisasi ................................. ....................................................... ........................... ..... 10 2.2 Pekerjaan Khusus......................................... ............................................................... ............................... ......... 11 2.3 Analisis Hasil Pekerjaan ......................................... ............................................................. .................... 12 2.3.1 Pengertian Restrukturisasi ................................................ 12 2.3.2 Pola Restrukturisasi Kredit Konsumer .............................. .............................. 13 2.3.3 Kualitas Kredit Konsumer ............................. ................................................. .................... 16 2.3.4 Flowchart Pengajuan, Analisa dan Dokumentasi Restrukturisasi ......................... ............................................... .......................................... .................... 21 BAB 3 PENUTUP
3.1 Kesimpulan .......................................... ................................................................. ...................................... ............... 27 3.2 Saran ............................................. ................................................................... ............................................ ........................ 28 DAFTAR PUSTAKA LAMPIRAN
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DAFTAR LAMPIRAN
Lampran 1 Bagan Struktur Struktur Organisasi Bank Tabungan Negara Lampiran 2 Bagan Struktur Organisasi Divisi CCR Bank Tabungan Negara Lampiran 3 Contoh Surat Permohonan Restrukturisasi Lampiran 4 Contoh Form Kalkulasi Kemampuan Debitur Lampiran 5 Contoh Surat Pemberitahuan Persetujuan Restrukturisasi Kredit Lampiran 6 Laporan Kegiatan Harian Lampiran 7 Surat Keterangan Telah Mengikuti Pembekalan PKL Lampiran 8 Surat Keterangan Magang Lampiran 9 Dokumentasi
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DAFTAR GAMBAR
Gambar 1 Flowchart Proses Restrukturisasi ........................................... ........................................... 21
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BAB 1
PENDAHULUAN
1.1.Latar Belakang PKL.
Perbankan memiliki peran yang sangat penting bagi perkembangan perekonomian Indonesia. Salah satu peran perbankan yaitu melakukan pembiayaan terhadap kebutuhan masyarakat, kebutuhan masyarakat tersebut dapat berupa kebutuhan permodalan, kebutuhan investasi, dan juga kebutuhan konsumsi. Sebagai salah satu kebutuhan utama manusia adalah sektor papan (perumahan) merupakan salah satu sektor bisnis menarik bagi perbankan. Perkembangan Perkembangan manusia yang semakin bertambah menyebabkan semakin bertambahnya kebutuhan akan perumahan, sehingga rumah merupakan kebutuhan primer bagi pemenuhan kesejahteraan manusia. Namun demikian kebutuhan akan perumahan ini seringkali terbentur pada minimnya dana yang dimiliki oleh konsumen yang mendambakan memiliki rumah sendiri. Sehingga pengembangan melalui Kredit Kredit Pemilikan Rumah (KPR) dilirik sebagai sebagai alternatif utama pembiayaan perumahan. Pemberian kredit yang secara otomatis berkaitan dengan kualitas kredit
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2
tentang risiko likuiditas yang dihadapi. Risiko kredit dalam pencapaian profit serta resiko likuiditas dan profitabilitas yang menjadi suatu permasalahan tersendiri yang cukup penting untuk diperhatikan. Sehingga Bank BTN Cabang Semarang sebagai badan usaha perbankan juga harus menjaga kualitas kredit dengan cara mengevaluasi mengevaluasi secara baik dan tepat tepat terhadap kredit konsumer yang telah diberikan kepada debiturnya. Kualitas kredit perbankan merupakan masalah yang masih menarik untuk dikaji, hal ini dikarenakan dengan adanya perlambatan laju ekonomi yang terjadi, ini secara langsung berpengaruh kepada penerimaan debitur. Adanya fenomena perlambatan ekonomi dan semakin tingginya kebutuhan masyarakat akan Perumahan menyebabkan perbankan harus aktif mengawasi dan mengevaluasi kredit yang telah diberikan kepada debiturnya. Perbankan harus pandai dalam mengelola kualitas kreditnya , salah satu bentuk untuk menjaga kualitas kredit perbankan agar tetap baik yaitu dengan cara melakukan restrukturisasi kredit.
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3
kredit yang buruk dapat ditingkatkan kualitasnya dengan Restrukturisasi Kredit. Dengan Dengan dasar ini penulis menguraikan judul “PROSEDUR “ PROSEDUR RESTRUKTURISASI
KREDIT
PEMILIKAN
RUMAH
SEBAGAI
BENTUK PROBLEM SOLVING TERHADAP TUNGGAKAN KREDIT OLEH NASABAH
PADA BANK BANK TABUNGAN TABUNGAN NEGARA KANTOR
CABANG SEMARANG”. SEMARANG ”.
1.2.Pengertian 1.2.Pengertian PKL
Praktek
Kerja
Lapangan
(PKL)
adalah
salah
satu
bentuk
pengintegrasian kegiatan pada masyarakat dengan program pendidikan pendidikan yang dilakukan oleh mahasiswa dengan bimbingan secara terpadu antara pendidikan tinggi dan instansi/masyarakat tempat mahasiswa meakukan kegiatan PKL.
1.3.Tujuan PKL
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4
a) Bagi Penulis Menambah wawasan dan pengetahuan mengenai teori yang diterima di kegiatan perkuliahan dengan pekerjaan di dunia kerja. b) Bagi Bank Tabungan Negara Kantor Cabang Semarang Tambahan referensi bagi Bank Tabungan Negara tentang Restrukturisasi Kredit konsumer dan terbantu dalam menyeleseikan masalah dengan adanya mahasiswa PKL. c) Bagi Universtas Negeri Semarang Tambahan referensi bagi Universitas Negeri Semarang menegenai prosedur Restrukturisasi kredit kredit pada perbankan.
1.5. Metode Metode Pengolahan Data
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5
Metode pengumpulan data dilakukan dengan melakukan wawancara dan dokumentasi. Merode wawancara merupakan metode pengumpulan data dengan cara berkomunikasi langsung dengan responden, dalam hal ini wawncara dilakukan dengan tanya jawab secara langsung kepada karyawan Bank BTN bagian Consumer Collecting and Remidial Division. Dokumentasi merupakan catatan peristiwa yang terjadi dann sudah berlalu, dokumen tersebut bisa berupa tulisan gambar atau karya karya monumental monumental seseorang. Dalam ini pendokumentasian dilakukan dengan meminta data struktur organisasi pada divisi General Administrasi pada Bank BTN dan file berupa alur dan proses restrukturisasi pada divisi CCRD Bank Tabungan Negara. 1.6. Ruang Lingkup
Ruang lingkup pada penelitian ini dibagi menjadi dua bagian, yaitu:
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1.7. Teknis Pelaksanaan
Pelaksanaaan Prakter Kerja Lapangan dilakukan di Kantor PT. Bank Tabungan Negara Tbk. (Persero) Cabang Semarang. Dalam pelaksanaan PKL penulis ditempatkan di Consumer Collection and Rimidial Division. PKL dilaksanakan pada tanggal 26 Oktober hingga 18 Desember 2015.
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BAB II
PAPARAN LAPORAN
2.1 Pekerjaan Umum
2.1.1
Sejarah Bank Tabungan Negara
Pada tanggal 16 oktober 1897 pemerintah Hindia Belanda melalui
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Tahun 1942 tentara Jepang berhasil masuk ke Indonesia dan menyebabkan pemerintahan Hindia Belanda menyerah tanpa syarat terhadap pemerintah Jepang. Pada masa itu segala macam aspek sistem Hindia Belanda dirubah oleh pemerintahan Jepang, begitu pua dengan pembekuan Postpaarbank yang kemudian digantikan oleh Tyokin Kyoku. Usaha pemerintahan Jepang mendirikan Tyokin Kyoku ini gagal dikarenakan masyarakat merasakan aadanya paksaan untuk mendepositokan uangnya pada Tyokin Kyoku. Kyoku. Setelah Indonesia memprolamirkan kemerdekaannya, Tyokin Kyoku diambil alih oleh pemerintahan Indonesia dan dirubah namanya menjadi
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Penegasan status Bank Tabungan Negara sebagai Bank milik negara ditetapka
dengan UU UU No. 20 Tahun Tahun 1968 1968 yang yang sebelummnya sebelummnya Bank
Tabungan Negara menjadi BNI unit V. Jika tugas utama utama saat pendirian Postpaarbank (1897) sampai dengan Bank Tabungan Negara (1968) adalah bergerak dalam penghimpunan penghimpunan dana masyarakat melalui tabunga, maka sejak tahun 1974 Bank Tabungan Tabungan Negara ditambah tugasnya yaitu memberikan memberikan pelayanan KPR ( Kredit Kepemilikan Rumah ) dan untuk pertama kalinya penyaluran KPR terjadi pada tanggal 10 Desember 1976, karena itula setiap tanggal 10 Desember diperingati sebagai hari KPR bagi BTN. Hingga saat ini perkembangan Bank BTN sangat baik dengan memil iki 1.102 kantor yang
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c. Menyiapkan dan mengembangkan Human Capital yang berkualitas, profesional, dan memiliki integrtas yang tinggi. d. Melaksanakan menejemen perbankan sesuai dengan prinsip kehati – hatian dan Good Corporate Governence untuk meningkatkan Shareh Holder Value.
2.1.3
Lokasi Instansi
Kantor Bank Tabungan Negara Kantor Cabang Semarang terletak pada Jl. M.T. Haryono 717, Semarang.
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2.2 Pekerjaan Khusus
Pelaksanaan Praktek Kerja Lapangan (PKL) dilaksanakan pada ta nggal 26 Oktober hingga 18 Desember 2015. Untuk rincian waktu pelaksanaan PKL yaitu senin hingga jumat, pukul 07.30 – 16.30. Awal masuk penulis ditempatkan pada bagian Credit Consumer and Remedial (CCRD). CCRD Merupakan unit khusus yang di bentuk oleh Bank Tabungan Negara untuk menangani kredit bermasalah, divisi ini bertanggung jawab atas kualitas kredit yang diberikan kepada debitur. Dalam memelihara kualitas kredit Bank BTN Cabang Semarang Consumer Collection and Remedial Division memiliki beberapa cara, mulai dari pembinaan debitur dengan melakukan
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penurunan kualitas selama periode pembayaran. Tugas Staff restrukturisasi antara lain : a. Memeriksa surat permohonan restrukturisasi dari deitur yang diberikan oleh Area oleh Area Collection. b. Mempersiapkan form kalkulasi kemampuan membayar atas kredit
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angsuran, jangka waktu, bunga dan lain sebagainya yang berhubungan dengan pola restrukturisasi.
2.3.2
Pola Retrukturisasi Kredit Konsumer
Dalam memberikan Restrukturisasi Bank hanya dapat melakukan
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angsuran yang adadijadwalkan kembali, sehingga debitur memiliki dua jenis angsuran yakni angsuran reguler dan angsuran atas tunggakannya. Pada pelaksanaan PUSP tunggakan bunga dan denda harus dilunasi terlebih dahulu, sedangkan pada pelaksanaan PUST harus melunasi dendanya terlebih dahulu. Namun kebijakan dalam pemberian Pola
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kantor pusat dan disertai dengan data-data pendukung, seperti ; lokasi agunan, jumlah debitur, permasalahan yang dihadapi ebitur jumlah kewajiban dabitur, dan pengaruh grace pengaruh grace period terhadap kinerja cabang. Pada saat berakhirnya masa grace masa grace period terhadap akumulasi angsuran yang ditunda dilakukan pembayaran dengna dengna alternatif sebagai berikut: ber ikut:
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d. Pengurangan Tuggakan Pokok Kredit Merupakan keringanan yang diberikan kepada Debitur berupa pengurangan pokok kredit, sehingga debitur membayar tuggakan pokok kredit lebih kecil dari tuggakan pokok pokok kredit yang seharusnya dibayar. Pola restrukturisasi ini dapat diberlakukan apabila debitur mendapat rekomendasi
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a. Kredit Lancar (L)
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bahwa semakin tingginya jumlah kredit dengan kualitas macet, maka
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untuk kredit yang tergolong Kurang Lancar dan Dalam Perhatian
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kualitas kreditnya mengikuti mana yang paling rendah, namun pada saat
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2.3.4 Flowchart Pengajuan, Analisa dan Dokumentasi Restrukturisasi
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
Try Scribd FREE for 30 days to access over 125 million titles without ads or interruptions! Start Free Trial Cancel Anytime.
Trusted by over 1 million members
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Trusted by over 1 million members
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Trusted by over 1 million members
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