Analisa Kredit Sebagai Faktor Penentu Kualitas Kredit di PT.BPR BKK Pati Perseroda Cabang Pucakwangi

Abstract

This study examines the role of credit analysis as a determining factor of credit quality at PT. BPR BKK Pati (Perseroda) Pucakwangi Branch. The research focuses on how the quality of credit analysis compares with other internal and external factors influencing credit performance. The objective is to explain the relationship between the accuracy of credit analysis and the risk of non-performing loans, as well as to identify strategies for improving credit quality. The research employed a qualitative case study approach. Data were collected through in-depth interviews with the credit manager, account officers, and customers, complemented by direct observation and documentation review. Data analysis was conducted using source and theory triangulation, providing a comprehensive understanding of credit analysis practices in the field. The findings indicate that character and capacity within the 5C principle are the most decisive factors in determining credit quality. However, assessments are often constrained by the absence of formal data, subjectivity among account officers, and pressure to meet credit distribution targets. Moreover, external factors such as fluctuations in agricultural commodity prices and natural disasters exert significant influence on credit performance, often outweighing internal analysis. These results highlight the importance of strengthening credit analysis while simultaneously adopting risk mitigation strategies, including portfolio diversification and early warning systems. Theoretically, this study reaffirms the relevance of the 5C principle while emphasizing the need for adapted models suited to rural MSMEs that rely on non-formal data. Practically, it contributes managerial recommendations to enhance credit stability and quality in rural banking institutions.