Hendrawaty, Ernie and PANJINEGARA, PRAKARSA BAD DEBT PREVENTING MODEL BASED ON MAPPING OF PAYMENT PATTERN. Business: Theory and Practice. pp. 1-11. (Submitted)

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Abstract

Bad loans is inability of debtor to pay the credit to financial institution. This inability is caused by several factors, those are from internal factors and from external factors that can not be controlled by the company. Bank credit policy is initially more focused on assessment of financial risks of of client that assessed by Five Principle of Credits, those are Character, Capacity Capital, Colateral and Condition. However, the assessment can not prevent effectively the occurrence of bad debts. This happens because there is still unmatch between the operating cash inflow pattern of the client and the offering installment pattern (scheme) from the financial institution. This research develops a bad loans preventing model based on installment pattern that match with the operating cash inflow pattern of business clients. Central Bureau Statistics of Indonesia has classified ten business sectors. This research used questioners to collect pattern of cashinflow data from 300 small medium entreprises from various business sectors in three districts in Lampung Province to find pattern of each business sectors. The research finds that there are 16 schemes that combined from loan installment pattern from the bank and operating cash inflow pattern of business. Ten of these schemes will be categorized as secure from non-performing/bad loan problems, that is called as bad loans preventing model.

Item Type:	Article
Subjects:	H Social Sciences > HG Finance
Divisions:	Fakultas Ekonomi dan Bisnis (FEB) > Prodi Manajemen
Depositing User:	DR ERNIE HENDRAWATY
Date Deposited:	16 Nov 2017 03:21
Last Modified:	16 Nov 2017 03:21
URI:	http://repository.lppm.unila.ac.id/id/eprint/4672

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