Analisis Efektivitas Kebijakan Kredit Untuk Meningkatkan Profitabilitas (Studi Pada PT. Bank Perkreditan Rakyat DAU Kusumadjaja Malang)

Banking have an important role in advancing the economy of a country. The aim of this research is to find out the policy of credit efective to improve profitability. The result showed tha BPR credit policy on Dau Kusumadjaja not effective. It was proven by the effectiveness financial calculation of 56.5% which means not effective. On a calculation LDR reach a level of 69% in 2013 this would mean still be under standart Bank Indonesia which that of 85% - 110%. Then the value of Capital Adequacy Ratio by 8.8% in 2011, 6.8% in 2012 and 8.3% in 2013. Conclusion of this research is to Increase Loan Deposit Ratio can increase the value of ROA and lowering BOPO and followed by the other management such as ROE, GPM, NPM, Net Income total Assset, and Rate of return on Loans. Credit policies that can effectively improve profitability by using the regulatory standards or regulatory approach to BI. Effective credit policy can increase profitability by increasing credit expansion through calculation Loans Ratio and Deposite capital increase via expansion of revenue through deposits and savings through the calculation of Capital Adequacy Ratio. Conclusion about this research is increase the team work to get of DPK. Then save the customer with banking principle