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This study aims to determine the effectiveness of credit control to increase profitability at PT. BPR. Bina Nusa, Gresik Branch. The research method uses descriptive methods with a quantitative approach. The results showed that the credit policy adopted by PT. BPR. Bina Nusa Gresik Branch is said to be effective even though credit control is less than optimal because there is an increase in bad loans, but it does not affect the results of the calculation of profitability ratios namely Gross profit margin in 2015 amounted to 20.93%, in 2016 amounted to 21.33%, in 2017 amounted to 22.28 %, and 2018 amounted to 25.90%. Net profit margin in 2015 was 15.70%, in 2016 it was 17.73%, in 2017 it was 20.07% and in 2018 it was 21.84%. Return on assets in 2015 amounted to 5.41% in 2016 amounted to 6.33%, in 2017 amounted to 6.85%, in 2018 amounted to 6.67%. The rate of return on loans in 2015 was 57.16%, in 2016 it was 56.82%, in 2017 it was 52.57%, in 2018 it was 53.85%. Return on equity in 2015 was 23.72%. In 2016 it was 26.92%. In 2017 it was 29.31% and in 2018 it was 30.73%. as a whole can be said to be good because of the achievement of the profitability ratio percentage of PT. BPR. Bina Nusa Gresik Branch is within the limits of Bank Indonesia regulations. Penelitian ini bertujuan untuk mengetahui keefektifitasan dalam pengendalian kredit untuk meningkatkan profitabilitas pada PT. BPR. Bina Nusa Cabang Gresik. Metode penelitian menggunakan metode deskriptif dengan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa kebijakan kredit yang diterapkan oleh PT. BPR. Bina Nusa Cabang Gresik dikatakan efektif meskipun pada pengendalian kredit kurang optimal karena terdapat peningkatan kredit macet, namun hal itu tidak mempengaruhi hasil perhitungan rasio profitabilitas yaitu Gross profit margin pada tahun 2015 sebesar 20,93%, tahun 2016 sebesar 21.33%, tahun 2017 sebesar 22.28%, dan tahun 2018 sebesar 25.90%. Net profit margin pada tahun 2015 sebesar 15.70%, tahun 2016 sebesar 17.73%, tahun 2017 sebesar 20.07% dan pada tahun 2018 sebesar 21.84%. Return on assets pada tahun 2015 sebesar 5.41% tahun 2016 sebesar 6.33%, tahun 2017 sebesar 6.85%, tahun 2018 sebesar 6.67%. Rate return on loans pada tahun 2015 sebesar 57.16%, tahun 2016 sebesar 56.82%, tahun 2017 sebesar 52.57%, tahun 2018 sebesar 53.85%. Return on equity pada tahun 2015 sebesar 23.72%. Tahun 2016 sebesar 26.92%. Tahun 2017 sebesar 29.31% dan tahun 2018 sebesar 30.73%. secara keseluruhan dapat dikatakan baik karena pencapaian persentasi rasio profitabilitas PT. BPR. Bina Nusa Cabang Gresik berada pada batas ketentuan Bank Indonesia.

Analisis Sistem Pengendalian Kredit Yang Efektif Guna Meningkatkan Profitabilitas (Studi Pada Pt. Bpr. Bina Nusa Cabang Gresik)