Studi komparatif analisis kredit dengan bunga Flat Rate dan Non Flat Rate pada BRI Kantor Cabang Palangkaraya

LESTIAWAN, Eka Budi, Prof.Dr.Ir. Sri Widodo, M.Sc

2007 | Tesis | Magister Manajemen Agribisnis

Tesis ini bertujuan untuk membandingkan metode perhitungan bunga kredit berbasis flat rate dengan yang berbasis non flat rate. Perbandingan ini meliputi trend pertumbuhan outstanding credit, trend pertumbuhan pendapatan bunga kredit, proporsi outstanding credit, proporsi pendapatan bunga kredit dan produktivitas masing-masing baik flat rate maupun non flat rate. Data yang digunakan adalah data time series selama 42 bulan terakhir yaitu tahun 2003 – 2006 yang kemudian dianalisis yang meliputi analisis trend dengan regresi linear sederhana yang diteruskan dengan uji t untuk membuktikan adanya perbedaan di antara dua cara perhitungan bunga. Dari penelitian ini secara umum dapat disimpulkan bahwa: 1. Outstanding credit baik berbasis flat rate maupun non flat rate cenderung meningkat. 2. Pertumbuhan pendapatan bunga berbasis flat rate cenderung tetap sedang yang berbasis non flat rate mengalami kenaikan. 3. Produktivitas kredit berbasis flat rate cenderung mengalami penurunan sedangkan non flat rate stabil. 4. Prporsi outstanding credit berbasis flat rate jauh lebih besar dari pada non flate rate. 5. Proporsi pendapatan bunga kredit berbasis flat rate jauh lebih besar dari pada non flat rate. 6. Produktivitas kredit berbasis flat rate lebih tinggi dari pada non flat rate. 7. Prospek kredit berbasis flat rate cukup bagus mengingat pasarnya masih terbuka lebar yaitu sekitar 65% PNS, TNI, dan POLRI serta 74% pensiunan belum menjadi nasabah BRI Cabang Palangkaraya.

The aim of this thesis is to compare flat rate method credit and non flat rate method credit. This comparation include trend of the outstanding credit growth, trend of the interest overdue growth, the productivity of flat rate method credit and non flat rate method credit, and also the proportion of outstanding of each credit. This research use descriptive analyzes from the last 42 month time series data from January 2003 until June 2006. Time series data are analyzed by Linear Simple Regression and compared means. The computation of data analyze use SPSS program. The result shows that all of the trend of outstanding both flat rate method credit or non flat rate method credit are increasing. The trend of the interest’s overdue growth of flat rate method credit tents to stable but the interest overdue growth trend for non flat rate method credit are increasing. The trend of the flat rate method credit productivity decrease and the trend of the non flat rate method credit productivity tent to stable. The proportion and productivity of flat rate method credit was better than non flat rate method credit. The prospect of the flat rate method credit is good because 65% of PNS, TNI and POLRI also 74% of pension here not taken this kind of credit at Palangkaraya yet.

Kata Kunci : Kredit Bank,Produktivitas,Flate Rate dan Non Flat Rate, flat rate-non flat rate credit - outstanding-interest overdue-productivitycredit BRI