ANALISIS KELAYAKAN NASABAH PEMBIAYAAN KREDIT PADA PT. HOME CREDIT INDONESIA

Abstract

Purpose― The purpose of this research is to determine the procedures for providing credit financing and analysis of the feasibility of customers providing credit financing at PT. Home Credit Indonesia Store Gressmall..

Method— This qualitative research was conducted using observation, interviews, and documentation. The findings show that the credit financing procedure at PT. Home Credit Indonesia Store Gressmall involves several stages assisted by a Sales Agent, including data entry, credit limit checking, loan and installment selection, contract signing, and product handover. Customer eligibility is assessed based on their character and business as sources of income.

Finding— This study found that the credit financing procedure at PT. Home Credit Indonesia Store Gressmall involves data entry assistance by a sales agent, credit limit checking via the application, digital contract signing, and product handover. Customer eligibility is assessed based on character and income sources, applying the 4C principles: Character, Capacity, Condition, and Collateral. Field visits to the customer’s business location are also conducted for verification purposes.

Implication— The findings indicate that PT. Home Credit Indonesia Store Gressmall has implemented a practical credit procedure and applied prudent principles by focusing on the character and capacity of customers. This approach supports financial inclusion but still requires strict credit risk monitoring to maintain the quality of financing.

Keywords— Credit Financing, Customer Eligibility, Banking Services