Analysis Of Working Capital Loan Distribution In 2015–2017 PT. Bank Perkreditan Rakyat Laksana Abadi Sunggal

Abstract

This study aims to evaluate the development of Working Capital Loans at PT Bank Perkreditan Rakyat Laksana Abadi Sunggal during the period 2015-2017. The analysis uses quantitative data with the index number method to understand the pattern of changes in the amount of credit every month. The results of the study show that Working Capital Loans have increased 24 times and decreased 11 times in that period. A significant increase occurred in 2016 with an increase of 65% compared to 2015, while in 2017 there was only an increase of 3% from the previous year. The increase in 2016 was influenced by economic growth which encouraged an increase in the community's business capital needs. This study provides an overview of fluctuations in credit disbursement and recommends banks to pay attention to these patterns to determine more effective strategic policies.