Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case

<p>In Indonesia, small and medium enterprises (SME) have experienced 68% growth in 2008 and47% growth in 2007. The simple structure made it able to respond quickly to changingeconomic conditions and meet local customers’ needs, growing sometimes into large andpowerful corporations or failing w...

Full description

Bibliographic Details
Main Authors: Deddy P. Koesrindartoto, Mega Pratiwi
Format: Article
Language:English
Published: Institut Teknologi Bandung 2012-01-01
Series:Asian Journal of Technology Management
Online Access:http://journal.sbm.itb.ac.id/index.php/asian/article/view/171
id doaj-17bd33e5373341b381cf4b221e889d84
record_format Article
spelling doaj-17bd33e5373341b381cf4b221e889d842020-11-24T21:54:16ZengInstitut Teknologi BandungAsian Journal of Technology Management1978-69562089-791X2012-01-0131161Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN CaseDeddy P. Koesrindartoto0Mega Pratiwi1School of Business and Management, Institut Teknologi Bandung, IndonesiaSchool of Business and Management, Institut Teknologi Bandung, Indonesia<p>In Indonesia, small and medium enterprises (SME) have experienced 68% growth in 2008 and47% growth in 2007. The simple structure made it able to respond quickly to changingeconomic conditions and meet local customers’ needs, growing sometimes into large andpowerful corporations or failing within a short time of the firm’s inception. Unfortunately,lack of access to finance has been cited as an important problem for SMEs, being theconstraint in the creation, development or diversification of their economic activities. Lendinginstitution such as banks conduct an intensive assessment (usually called credit scoring) tofind out the creditworthiness of applicants in order to mitigate the risk. This paper,“Collectability Analysis in Small and Medium Enterprise”, is purposed for creatingappropriate credit scoring model to support the judgmental analysis approach in small andmedium enterprise, finding out how generic and plafond-specific variables affect thecollectability of the debtors from different plafond level (&lt; Rp. 500 Million and &gt; Rp. 500Million), and providing early detector for the bank to predict about future loan performanceof its debtors, thus the bank can be more careful in selecting qualified debtors.</p><p><em>Key words: small and medium enterprises, credit rating, loan plafond, collectability, genericvariables, plafond-specific variables.</em></p>http://journal.sbm.itb.ac.id/index.php/asian/article/view/171
collection DOAJ
language English
format Article
sources DOAJ
author Deddy P. Koesrindartoto
Mega Pratiwi
spellingShingle Deddy P. Koesrindartoto
Mega Pratiwi
Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
Asian Journal of Technology Management
author_facet Deddy P. Koesrindartoto
Mega Pratiwi
author_sort Deddy P. Koesrindartoto
title Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
title_short Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
title_full Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
title_fullStr Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
title_full_unstemmed Collectibility Analysis for Small and Medium Enterprise – Bank BUKOPIN Case
title_sort collectibility analysis for small and medium enterprise – bank bukopin case
publisher Institut Teknologi Bandung
series Asian Journal of Technology Management
issn 1978-6956
2089-791X
publishDate 2012-01-01
description <p>In Indonesia, small and medium enterprises (SME) have experienced 68% growth in 2008 and47% growth in 2007. The simple structure made it able to respond quickly to changingeconomic conditions and meet local customers’ needs, growing sometimes into large andpowerful corporations or failing within a short time of the firm’s inception. Unfortunately,lack of access to finance has been cited as an important problem for SMEs, being theconstraint in the creation, development or diversification of their economic activities. Lendinginstitution such as banks conduct an intensive assessment (usually called credit scoring) tofind out the creditworthiness of applicants in order to mitigate the risk. This paper,“Collectability Analysis in Small and Medium Enterprise”, is purposed for creatingappropriate credit scoring model to support the judgmental analysis approach in small andmedium enterprise, finding out how generic and plafond-specific variables affect thecollectability of the debtors from different plafond level (&lt; Rp. 500 Million and &gt; Rp. 500Million), and providing early detector for the bank to predict about future loan performanceof its debtors, thus the bank can be more careful in selecting qualified debtors.</p><p><em>Key words: small and medium enterprises, credit rating, loan plafond, collectability, genericvariables, plafond-specific variables.</em></p>
url http://journal.sbm.itb.ac.id/index.php/asian/article/view/171
work_keys_str_mv AT deddypkoesrindartoto collectibilityanalysisforsmallandmediumenterprisebankbukopincase
AT megapratiwi collectibilityanalysisforsmallandmediumenterprisebankbukopincase
_version_ 1725868003144237056