“Types or Types of

credit”

Meeting 2
Manajemen Perkreditan
 Credits By Purpose of Use

Consumptive credit is a credit used to finance the

purchase of goods or services that can give
immediate satisfaction to human needs.
 Then

Productive Credit is credit that is used for productive

purposes in the sense that it can cause or increase
utility benefits either due to form, interest due to
time or interest due to ownership
Productive credit consists of:
ProdKredit Investasi credit is ayng credit used to
finance the purchase of fixed and durable goods
consisting of.
 Then

Working capital credit

Credits intended to finance capital requirements that
typically run out in one or more production
processes or business cycles
 Then

Liquidity Credit
Credit that has no consumptive purpose but directly
does not aim to producttir but rather has the aim to
help companies that are in liquidity difficulties in
order to maintain their minimum needs.
Credit Reviewed In Terms of
Transferable Rights
Credit in the form of money
Conventional banking credit is generally given in the
form of money and its returns in the form of money
as well
 Then

Credit in non-money form

Such credit in the form of objects or services that are
usually provided by trading companies and so on,
credit in the form of non-money is commonly called
merchant credit, while the return is usually in the
form of money.
Credit reviewed From The Way
It Is Used
Cash Credit
Credits that are withdrawn are made in cash or
directly at the time the agreement is signed, but a
certain grace period is required as required
Credit not cash,
Credits that are not paid directly at the time the
agreement is signed, but are required to have a
certain time period as required
 Advanced

Letter Of Credit (L/C)

Letter issued by the bank or buyer's request
(importit) to be forwarded to the seller (exporter)
through the kpresponden bank (bank in the exporting
country) as a guarantee from the buyer to the seller
for payment of a number of goods he sent to the
buyer.
 Credits by term

1. Short-term credit
2. Medium-term credit
3. Long-term credit
 Credits by way of withdrawal and
repayment

Credit at once
Credit that is the way of withdrawal or provision is
carried out at once, either in cash or the transfer of
books into the debtor's account.
Current Account Credit
The credit provider of funds is carried out by
transferring the book into the current account of the
giro in the name of the debtor, while the withdrawal
is carried out with a check, bilyet giro or other book
transfer letter.
Gradual Credit
Credit whose way of withdrawal or provision is
carried out gradually, for example in 2,3,4 stages
 Credit by Economic Sector

1. Credit for agriculture sector

2. Credit to the mining sector
3. Credit for the industrial sector
4. Credit uCredit for the electricity sector for the industrial sector
5. Credit uCredit for credit for the construction sector electrical for
the industrial sector
6. Credit to the trading sector
7. Credit for transportation sector
8. Credit for the business services sector
9. Credit sector social services community
10. Credit for other sectors
 Credit in terms of collateral

1. Credit does not use guarantees

2. Credit with security
Thank