PENGENDALIAN INTERN DAN PEMBERIAN KREDIT USAHA: ANALISIS PERANAN DAN EFEKTIFITAS SISTEM

Business competition in a globalized world is getting tougher and Indonesia have entered into the Asean Economy Community (AEC) which requires companies that do not survive will definitely be eliminated. Necessary strategic efforts in maintaining the wheels of business that is being run, one business that can be done is to maximize the internal control of the company. Control can be done by this company depends on the type of company, whether for service, commercial or manufacturing. The purpose of this study was to determine the extent of control intenal role undertaken by the company in providing business loans to prospective clients effectively and in accordance with a predetermined system. The research methodology used is descriptive qualitative analysis that provides clear explanations in accordance with the empirical conditions that occur in the field. As for the location of the research in this study is one of the companies engaged in the provision of credit services, using interview techniques, observsi and processing of secondary data derived from the company. The conclusion of the research is that by using a good internal control system in each agency or fields at various levels of management will maximize the performance of the management, particularly in the areas of lending, loans provided are allowed to be provided effectively to customers who'm really needs. Recommendations from this study is specifically for the business unit where research was conducted in order to maximize the use of technology-based systems that have / computerization and provide training to the user / users of computerized systems so they can be used more leverage than it already obtained.