Evaluasi Pengendalian Internal Siklus KreditStudi kasus pada PT. Bank Pembangungan DaerahSumatera Barat

TL;DRAbstract

The constantly faced with the risk of business loans to customers. To minimize the risk that business will need a reliable internal control. As a company that the main source of income from loan interest credit cycle, the internal control is very important for a bank. The design of internal control depends on the credit cycle management attention on a reliable internal control. In the annual report of PT. Pembangunan Daerah Sumatera Barat, which is more in the know with the Bank Nagari, author discovered that non-performing loans at the level of 3.30% while the industry average (the Regional Development Banks throughout Indonesia) at the level of 1.71%. In evaluating the effectiveness of internal control of credit cycles PT. Bank Pembangunan Daerah Sumatera Barat, the author uses the framework of internal control in accordance with the guidelines for internal control systems to commercial banks from Bank Indonesia. Framework for assessing internal control that author use consists of fi

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