Implication of Financial Information Services System (SLIK): Case Study on BPR Christa Jaya Perdana Kupang

DOI

10.2991/teams-18.2019.40How to use a DOI?

Keywords

Banking; Credit; Financial Information Service System; Policy

Abstract

The study, entitled Implications of the Financial Information Service System (SLIK) in Providing Credit Case Study PT. Christa Jaya Perdana Kupang BPR aims to find out the influence or the implications of the financial information system in providing credit at PT. BPR Christa Jaya Perdana Kupang. The data used is primary data on the number of SLIK uses and the amount of credit given at PT. BPR Christa Jaya Perdana Kupang in 2017. The results of the study show that the Financial Information Service System affects the provision of credit to PT BPR Christa Jaya Kupang. This is because currently all banks use the financial information service system as one of the determining factors in making a decision to give credit or vice versa. The decision taken by the bank is based on the debtor's information by looking at the collectability of the prospective debtor, with information the bank debtor can find a summary of the facilities obtained by the debtor from all creditors, including the amount of ceiling, debit tray, creditor, and the worst quality ever obtained. And details of collateral pledged as collateral for the provision of funding facilities. In addition to SLIK, banks in lending also pay attention to the principle of granting credit, namely 5C (Character, Capacity, Capital, Condition, and Collateral). Thus the SLIK Service in the form of debtor information supports easy access to credit or financing and can be used to facilitate the process of providing funds, implementing risk management, evaluating Debtor quality, and improving financial industry discipline

Copyright

© 2019, the Authors. Published by Atlantis Press.

Open Access

This is an open access article distributed under the CC BY-NC license (http://creativecommons.org/licenses/by-nc/4.0/).

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TY  - CONF
AU  - Romana Ruan Tilis
AU  - Paulina Yuritha Amtiran
AU  - Marselina Ratu
PY  - 2019/01
DA  - 2019/01
TI  - Implication of Financial Information Services System (SLIK): Case Study on BPR Christa Jaya Perdana Kupang
BT  - Proceedings of the International Conference on Tourism, Economics, Accounting, Management, and Social Science (TEAMS 2018)
PB  - Atlantis Press
SP  - 231
EP  - 234
SN  - 2352-5428
UR  - https://doi.org/10.2991/teams-18.2019.40
DO  - 10.2991/teams-18.2019.40
ID  - Tilis2019/01
ER  -