Implementation of Accounting Information System in Provision of Light Credit (KRING) Batara Payroll at PT Bank Tabungan Negara (Persero) Tbk Jambi Branch Office
DOI:
https://doi.org/10.22437/ex8bjf29Keywords:
Accounting Information System, Light Credit (KRING), Credit Granting Procedures, RPC, SLIK OJKAbstract
This study discusses the Application of the Accounting Information System in the Provision of Batara Payroll Light Credit (KRING) at PT Bank Tabungan Negara (Persero) Tbk Jambi Branch Office. The purpose of this study is to find out the procedure for granting Batara Payroll Light Credit (KRING) through SIA, the suitability of the implementation of SIA with the Principles of Prudence, Principle 5C, and Information Quality, as well as to find out the obstacles faced and efforts to overcome them. The results of the study show that the process of giving KRING Batara Payroll has been carried out according to the procedure through nine stages supported by the BTN Smart system. The implementation of SIA is in accordance with the Prudential Principle, Principle 5C, and Information Quality Principle so that the credit granting process can take place faster, more precisely, and more accurately. The obstacles found are customer RPCs that do not meet bank requirements, credit history that is not smooth at SLIK OJK, and incomplete required documents due to requests for additional documents related to RPC. Handling efforts are carried out through credit ceiling adjustments, combined income analysis, debt cleansing, SKL requests, and communicating to customers.
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