Control of Non-instantaneous Degrading Inventory under Trade Credit and Partial Backlogging

Inventory management is an extremely difficult task. It has become usual practice for a provider during the last few decades to provide a retailer with a credit term. In this article, a non-instantly degradable products inventory system is built with a price-sensitive demand and a Weibull credit term allocation reduction rate. Some backlogged deficiencies are permitted. The aim is to maximize the total profit in this study by taking three cases into account. Numerical examples, graphical representations and sensitivity analysis demonstrate the application of the approach developed in this study.

MANAJEMEN KREDIT PEMILIKAN RUMAH UNTUK MEMINIMALISIR KREDIT MACET PADA PT BANK TABUNGAN NEGARA (PERSERO) TBK.

This study aims to determine the management of housings loans to minimize nonperforming loans at PT Bank Tabungan Negara Tbk (Case Study of the DKI Jakarta). The research method used in this research is descriptive analysis method with a qualitative approach. Data collection techniques using interview and observation. After the data is collected, then systematically arrange, it is type of debitor, type of credit, credit term, requairement of credit, credit management in this case control using the 5C principle (Character, Capacity, Capital, Collateral, Condition), credit decisions and credit agreements. After the data is compiled systematically then concluded. The results of the study are that there are 2 (two) types of Bank BTN Debitors are regular BTN and priority BTN. In 2019, control credit management BTN DKI Jakarta branch is non effective, this is seen from the result of NPL increased to 4,83% while in 2018 only 2,56%. The NPL increased was dominated because debitors experienced disasters such as floods. Nevertheless, the risk base BTN rating is still at a good, and including a healthy bank, in accordance with Bank Indonesia nomore than 5%. Penelitian ini bertujuan untuk mengetahui manajemen kredit pemilikan rumah untuk meminimalisir kredit macet pada PT Bank Tabungan Negara Tbk (Studi Kasus Cabang DKI Jakarta). Metode penelitian yang digunakan dalam penelitian ini adalah metode analisis deskriptif dengan pendekatan kualitatif. Teknik pengumpulan data menggunakan teknik wawancara dan observasi. Setelah data dikumpulkan kemudian disusun secara sistematis yakni: jenis debitur, jeniskredit, jangka waktu kredit, persyaratan umum kredit, manajemen kredit dalam hal ini pengendalian kredit menggunakan prinsip 5C (Character, Capacity, Capital, Collateral, Condition), Keputusan Kredit dan Akad Kredit. Setelah data disusun secara sistematis lalu ditarik kesimpulan. Hasil Penelitian yang diperoleh yakni Tipe Debitur pada Bank BTN terdiri dari 2(dua) yakni BTN Reguler dan BTN prioritas. Manajemen kredit tahun 2019 pada Bank Tabungan Negara cabang DKI Jakarta dalam hal pengendalian kredit masih kurang efektif dilihat dari hasil pengukuran NPL tahun 2019 mengalami peningkatan menjadi 4,83% dibandinkan pada tahun 2018 sebesar 2,56%. Peningkatan NPL tersebut didominasi karena debitur mengalami bencana seperti banjir. Meskipun demikian, tingkat kesehatan Bank Tabungan Negara Cabang DKI Jakarta masih pada ambang batas termasuk bank yang sehat, sesuai ketetapan Bank Indonesia tidak lebih dari 5%.

Lending Relationship in the Traditional Credit Market — Implications for Credit Risk Management Strategy in Micro Credit Institutions

Asymmetric information increases the credit rationing of micro-enterprises. Lender–borrower relationships help to provide this information, thereby increasing the availability of loans. This study aims to investigate the relationship between micro-lenders and micro clients. It is accomplished by describing how such relationships are developed, and analyzing these relationships’ impact on the availability and credit term using multivariate regression. The results showed that the strength of lender–borrower relationships positively impacted credit access, but it did not significantly impact the credit term. Furthermore, the amount of income and loan purpose, as the proxies of business characteristics, negatively impacted credit access. These results highlight the critical role of the lender–borrower relationship and business characteristics in the risk management strategy and the sustainability of microfinance institutions.

Evaluation of Control Systems Sales and Receivables Accounts Receivable in Relation to Efficiency (Case Studies In PT Cahaya Sakti Multi Intraco)

Sales and accounts receivable control systems are important in the trading business. Control of accounts receivable is made to prevent the control of bad debts. Receivables need to be managed effectively and efficiently to the target of credit sales system is achieved.The purpose of this study was to evaluate the system and controlling the sale of receivables in a manufacturing company do credit sales. Evaluation conducted to determine the system of sales and accounts receivable control of the company has been efficient or not, judging from the calculation of the ratios of receivables, such as age of accounts receivable, accounts receivable collection, accounts receivable turnover. Research on the author is in the PT Cahaya Sakti Multi Intraco.The results showed that PT Cahaya Sakti Multi Intraco SOP has made a pretty good sales. Control accounts can not be controlled. To ensure the accounts have been inefficient or not, can be calculated through the age of accounts receivable, accounts receivable collection, accounts receivable turnover of the company. From the data described in the discussion section, look no relationship between the efficiency of sales to accounts receivable system. Although sales have increased, not by itself increase Arto, this is due to the average percentage increase in accounts receivable are much higher than the percentage increase in sales. Companies must implement control measures more appropriate accounts and tighter so that the average accounts receivable could be better than the target than the credit period granted to customers. Should at least be in accordance with the credit period granted to customers. (Credit Term).