ANALISA PROSEDUR PEMBERIAN KREDIT PADA KOPERASI SIMPAN PINJAM ARTHA JAYA MANDIRI MOJOKERTO\ud

This research was conducted at the Cooperative Savings and Loan Artha Jaya Mandiri Mojokerto with the title "Analysis of Lending Procedures Koperasi Simpan Pinjam Artha Jaya Mandiri Mojokerto." The purpose of this study was to find out how the procedure as well as credit worthiness has been done by the Koperasi Simpan Pinjam Artha Jaya Mandiri Mojokerto using analytical techniques Cross Section. The analysis tools are 5C ie Character, Capacity, Capital, Collateral, and Conditions of economic. The conclusion of this analysis is that the procedure is owned by the Koperasi Simpan Pinjam Artha Jaya Mandiri Mojokerto complies with the standards of the Department of Cooperatives, which is initiated by submitting a written request from the applicant, pre-analysis on the application, assess the juridical aspect, analyze the request, the meeting of the committee until with the decision of acceptance or rejection of the petition. Based on analysis tools 5C was obtained that the three debtors eligible to receive credits in accordance with the petition filed. Suggestions for management of Koperasi Simpan Pinjam Artha Jaya Mandiri Mojokerto to implement the use of new analytical tool that is 6C, 7P, and 3R. Because by using new analytical tools that can be concluded that the use of this more detailed analysis tools and detailed and can monitor the progress of the work done by the debtor after being given credit for reducing the risk of bad debts. For Staff Loan and Credit Analyst Koperasi Simpan Pinjam Artha Jaya Mandiri Mojokerto third for borrowers still be given credit because the business is run has a very good prospect. As for further research with the same title so that in the analysis of lending more carefully and to use other analytical tools are more appropriate. Keywords: Procedure, Extension of credit, 5C