Analisis Manajemen Kredit Guna Menjaga Likuiditas Dan Meningkatkan Rentabilitas (Studi Pada PT. Bpr Sentral Arta Jaya Probolinggo Periode 2013-2015)

Credit granting which is conducted by every bank contains some risk, one of them is Non Performing Loans, which is it will affect the bank\u27s performance. Bank management which capable to suppress the NPL ratio to below 5% would have the financial potential acquired greater. The NPL value can be suppressed with the help of credit management for the credit issued can run well. Through credit management is expected to maintain liquidity and increase the profitability, safe limit provisions of Loan to Deposit Ratio (LDR), the level of profitability is also noteworthy because it is the capital of the company\u27s ability to generate profits.This Research used a descriptive study. According to Bank Indonesia regulation, this research shows that liquidity ratio and profiability ratio are owned by this Bank has healthy condition. Even though this bank was fine, the bank should have better credit management to maintain company liquidity, while seen from rentability ratio, this bank has fluctuated year by year, In minimizing the fluctuations, the bank should manage the asset in better way, where the bank have to be able distribute and use the assets based on target because good assets perfomance will increase rentability of company