Kebijakan Kredit Yang Efektif Untuk Menurunkan Npl (Non Performing Loan) Dan Meningkatkan Profitabilitas (Studi Pada Bpr Agro Cipta Adiguna Pare)

The ratio of Non Performing Loan (NPL) ratio is used to measure the bank's ability to cover the risk of failure of loan repayment by the debtor. The purposed of this research is 1) Determine the policy of loan BPR Agro Cipta Adiguna Pare 2) Knowing the condition of NPL (Non Performing Loan) on BPR Agro Cipta Adiguna Pare and 3) Know the credit policy is effective in improving the profitability of the BPR Agro Cipta Adiguna Pare . This study uses descriptive research. Analysis in this research that includes credit policy analysis, ratio analysis profitability and established an effective credit policy to improve profitability in the BPR Agro Cipta Adiguna Pare. The analysis showed that the policy of loan BPR Agro Cipta Adiguna Pare refers to the Policy and Procedure Credit Bank Indonesia No. 13/26 / PBI / 2011 Date of 28-12-2001. NPL (Non Performing Loan) conditioned on BPR Agro Cipta Adiguna Pare showed fairly healthy performance in 2014. The results show that the level of profitability in 2013 the average ROA, ROE and NPM respectively 1.32%, 12.04% and 7.38%. While profitability in 2014 averaged 3.92%, 26.39% and 16.60%. Based on his calculations it can be concluded that each year in the BPR Agro Cipta Adiguna Pare there is always a rise in the level of profitability