ANALYSIS OF THE USE OF PRODUCTS CREDIT FIDUCIA SYSTEM KREASI MICRO IN PT. PEGADAIAN PEMATANGSIANTAR BRANCH

Authors

  • Khairani Jelita Faculty Of Economics, Simalungun University
  • Husnatun Hasanah
  • Rahma Almira
  • Elfina Okto Posmaida Damanik

Keywords:

Credit, Fiduciary, Kreasi

Abstract

This research aims to analyze the use of products, credit, fiducia system, kreasi micro in PT. Pegadaian Pematangsiantar Branch. The research method used is qualitative, with a descriptive. The research results show that the use of credit with a fiduciary system provides practical financial solutions for micro and small entrepreneurs, as well as the importance of healthy credit management in supporting the sustainability of fiduciary credit system creations and preventing the risk of losses for companies. However, there are weaknesses related to limited information regarding the resolution of problem loans and evaluating the effectiveness of the fiduciary system implemented. Suggestions for PT. Pegadaian includes increasing transparency, conducting regular evaluations of the fiduciary system, strengthening management control mechanisms, and developing training programs for customers. By implementing these recommendations, it is hoped that the effectiveness of the products' credit fiduciary system kreasi micro can be enhanced and the risk of loss for the company can be reduced

References

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Mahendra, R., & Tanjung, M. S. B. (2021). Pemberian Kredit Mikro Kreasi Pada Pt. Pegadaian (Persero) Unit Pelayanan Cabang Siteba. Center for Open Science.

Vinata, D. D. M. S., Chandra, C. J., & Woda, Y. W. B. (2021). Sistem Informasi Pembuatan Akta Fidusia Kantor Notaris & PPAT CY Dominggus Bapa, SH., M. KN. Increate-Inovasi dan Kreasi dalam Teknologi Informasi, 8(1).

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Published

2024-04-22

How to Cite

Khairani Jelita, Husnatun Hasanah, Rahma Almira, & Elfina Okto Posmaida Damanik. (2024). ANALYSIS OF THE USE OF PRODUCTS CREDIT FIDUCIA SYSTEM KREASI MICRO IN PT. PEGADAIAN PEMATANGSIANTAR BRANCH. European Scholar Journal, 5(4), 22-28. Retrieved from https://scholarzest.com/index.php/esj/article/view/4489

Issue

Vol. 5 No. 4 (2024): ESJ

Section

Articles

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This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.