18 Prinsip Pemberian Kredit

Terdapat 18 Prinsip Pemberian Kredit dari Roger H. Hale

1.    Quality of credit is more important than exploiting new opportunities

2.    Every loan should have two ways out that are not related and exist from beginning

3.    The character of the borrower or in the case of corporations, the principal management and shareholders must be free of nay doubt as to their integrity

4.     If you do  not understand the business, do not lend to it

5.     It is your decision, and you must be free and comfortable with it according to your adjustment

6.     The purpose of a loan should contain the basis of its repayment

7.     If you have all the facts, you do not need to be genius to make the right decision

8.     The business cycle is inevitable

9.     Although it is harder than evaluating financial statement, assesing a company’s management quality is vital

10.   Collateral security is not a substitute for repayment. First way out credit is cash flow

11.    Where security is taken, a professional and impartial view of its value and marketability must be obtained

12.    Lending to smaller business is riskier than lending to larger ones

13.    Do not let poor attention to detail credit administration spoil and otherwise sound loan

14.    Local banks should be participant in lending to local borrowers

15.    If a borrower wants a quick answer, it is “NO

16.   Is the loan is to be guaranteed, be sure that the guarantor’s interest is served as well as borrowers

17.    See WHERE the banks money is going to be spent

18.    Think first for the bank. risk increase when credit principle are violated.

Source: Pencegahan Kredit Bermasalah ( H.A Machmoedin)

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4 responses to “18 Prinsip Pemberian Kredit

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