analisis sistem pengawasan pemberian kredit pada pt. bank tabungan negara ( persero ) cabang medan
TRANSCRIPT
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
PFBT@^WB]IW WPEI]@^I P]I^I
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IFIHBWBW WBW]@E [@FJIZIWIF [@EN@^BIF O^@MB] [IMI
[]& NIFO ]INPFJIF F@JI^I , [@^W@^C " GINIFJ E@MIF
CH@L1
FIEI 1 IWFB APHBI]B WBLCENBFJ
FBE 1 ;0;0;7;02
M@[I^]@E@F 1 IOPF]IFWB
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E@MIF
>;;2
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
[@^FRI]IIF
M`fjif bfb wiri e`fri}ioif nilzi wo~b{wb rifj n`~apmph1
Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif
F`ji~i ,[`~w`~c" Ginifj E`mif&
Imihil n`fi~ liwbh oi~ri wiri w`fmb~b mif apmph }`~w`np} n`hpe {`~fil
mbepi}( mb{pnhboiwboif i}ip mb}`hb}b ch`l eiliwbwzi mihie ocf}`ow {`fphbwif
wo~b{wb {~cj~ie W9 M`{i~}`e`f Iopf}ifwb Dioph}iw @ocfceb Pfbt`~wb}iw
Wpei}`~i P}i~i&
W`epi wpen`~ mi}i mif bfdc~eiwb rifj mb{`~ch`l( }`hil mbfri}ioif a`hiw(
n`fi~ i{i imifri& Mif i{inbhi mbo`epmbif li~b {`~fri}iif bfb }bmio n`fi~( wiri
n`~w`mbi e`f`~bei wifowb rifj mb}`}i{oif ch`l pfbt`~wb}iw&
E`mif( 90 W`{}`en`~ >;;2
Rifj e`enpi} {`~fri}iif
Fiei 1 Iwfb Aphbi}b Wblcenbfj
FBE 1 ;0;0;7;02
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
OI]I [@FJIF]I^
W`jihi {pab wrpop~ mif lc~ei} rifj w`n`wi~n`wi~fri o`{imi ]plif Rifj
Eili @wi i}iw n`~oi} mif opiwiFri wiri nbwi e`fr`h`wiboif wo~b{wb bfb m`fjif
nibo&
Wo~b{wb bfb n`~apmph Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb}
[imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c" Ginifj E`mif( mbwpwpf mihie
~ifjoi e`e`fplb wihil wi}p wri~i} pf}po e`e{`~ch`l j`hi~ o`wi~aifiif {imi
Dioph}iw @ocfceb M`{i~}`e`f Iopf}ifwb Pfbt`~wb}iw Wpei}`~i P}i~i&
W`hiei {~cw`w {`frpwpfif wo~b{wb bfb( wiri nifrio e`e{`~ch`l
nbenbfjif( mpopfjif( fiw`li}( mif nif}pif hibf nibo w`gi~i ec~bh eip{pf ei}`~bh
mi~b n`~nijib {blio& [imi o`w`e{i}if bfb wiri bfjbf e`frie{iboif pgi{if
}`~bei oiwbl o`{imi1
9& Ni{io M~w& Alcf ]idnp ^b}cfji( E&@g& w`hiop M`oif Dioph}iw @ocfceb
Wpei}`~i P}i~i&
>& Ni{io M~w& Liwif Wio}b Wb~`ji~( E&Wb( Io& mif Bnp M~i& Ep}bi Bweibh( EE(
Io& w`hiop O`}pi M`{i~}`e`f Iopf}ifwb mif W`o~`}i~bw M`{i~}`e`f
Iopf}ifwb Pfbt`~wb}iw Wpei}`~i P}i~i&
7& Bnp M~i& Fp~qibeil( EE( Io& w`hiop Mcw`f [`enbenbfj( i}iw nbenbfjif mif
i~ilif Bnp mihie {~cw`w {`fr`h`wibif wo~b{wb bfb&
=& Ni{io M~w& Zilbmbf Riwbf(E&Wb( Io& w`hiop Mcw`f [`fjpab B mif Ni{io M~w&
Qibfih I]&Wbhifjb}( Io& w`hiop Mcw`f [`fjpab BB( i}iw w`jihi wi~if mif
eiwpoif rifj }`hil mbn`~boif&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
0& Ni{io M~w& Qibfih I& ]& Wbhifjb}( Io& w`hiop Mcw`f Zihb rifj }`hil
e`enif}p wiri mihie ocfwph}iwb ioim`ebo w`hiei {`~ophbilif& Ni{io mif
Bnp Mcw`f Dioph}iw @ocfceb Pfbt`~wb}iw Wpei}`~i P}i~i rifj }`hil e`fmbmbo
wiri w`hiei {`~ophbilif mif {i~i {`jizib M`{i~}`e`f Iopf}ifwb rifj }`hil
nifrio e`enif}p wiri&
4& O`mpi c~ifj }pi wiri( I& Wblcenbfj mif ]& I~b}cfifj& ]`~beioiwbl npi}
mpopfjiffri w`hiei bfb&
Wiri n`~li~i{ wo~b{wb bfb mi{i} n`~jpfi nijb w`epi {blio& W`ecji ]plif
Rifj Eili @wi w`hihp e`en`~oi}b ob}i mihie oiwbl&
E`mif( 90 W`{}`en`~ >;;2
[`fphbw
Iwfb Aphbi}b WblcenbfjFBE1 ;0;0;7;02
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
INW]^IO
[`f`hb}bif bfb n`~}papif pf}po e`fj`}ilpb o``d`o}bdif wbw}`e {`fjiziwif
o~`mb} {imi []& Nifo ]inpfjif F`ji~i( Ginifj E`mif mif e`fj`}ilpb i{ioil
[`en`~bif o~`mb} }`hil mbaihifoif w`wpib m`fjif {`~o~`mb}if {`~nifoif mif
{~`w`mp~ {`en`~bif o~`mb}&
A`fbw {`f`hb}bif rifj mbhiopoif ch`l [`fphbw imihil {`f`hb}bif hi{ifjif
mihie n`f}po w}pmb oiwpw m`fjif e`fmi}ifjb cna`o {`f`hb}bif rib}p []& Nifo
]inpfjif F`ji~i( Ginifj E`mif& Imi{pf a`fbw mi}i rifj mbjpfioif imihil mi}i
{~be`~ rifj e`~p{ioif liwbh zizifgi~i n`~p{i }ifri aizin m`fjif {blio nijbif
o~`mb}( mif mi}i w`opfm`~ n`~p{i w}~po}p~ c~jifbwiwb [`~pwiliif( w`ai~il wbfjoi}[`~pwiliif( mif mid}i~ och`o}bnbhb}iw o~`mb} }ilpf >;;0 wie{ib >;;:& ]`ofbo
ifihbwbw mi}i rifj mbjpfioif imihil e`}cm` m`wo~b{}bd&
Mi~b liwbh {`f`hb}bif( [`fphbw mi{i} e`fjienbh o`wbe{phif nilzi{`hiowifiif wbw}`e {`fjiziwif {`en`~bif o~`mb} {imi []& Nifo ]inpfjif
F`ji~i( Ginifj E`mif gpop{ `d`o}bd& [`fjiziwif o~`mb} rifj mbhiopoif ch`l []&Nifo ]inpfjif F`ji~i( Ginifj E`mif e`fjihieb {`fbfjoi}if mi~b }ilpf >;;0
o` }ilpf >;;4 mif e`fjihieb {`fbfjoi}if apji {imi }ilpf >;;: rifj mi{i}mbhbli} mi~b ~i}bc F[H ,Fcf [`~dc~ebfj Hcif" rib}p w`n`wi~ =(>9% {`~ 79
M`w`en`~ >;;0 rifj e`fjihieb {`fbfjoi}if hijb e`faimb 7(>:% {`~ 79M`w`en`~ >;;4 w`~}i e`fjihieb {`fbfjoi}if hijb e`faimb >(7=% {`~ 79
M`w`en`~ >;;:& Lih bfb( w`wpib m`fjif Wp~i} @mi~if NB fc& W@ Fc&4#>7#M[F[}ifjjih 79 E`b >;;= mboi}ioif nilzi }bfjoi} ~i}bc F[H rifj nibo i{inbhi op~ifj
mi~b 0%& [`en`~bif o~`mb} }`hil mbaihifoif w`wpib m`fjif o`nbaiowifiif{`~o~`mb}if nifo mif {~cw`mp~ {`en`~bif o~`mb} rib}p }ili{ {`~eclcfif o~`mb}(
}ili{ ifihbwbw o~`mb}( mif }ili{ o`{p}pwif o~`mb}&
Oi}i Opfgb1 Wbw}`e( [~cw`mp~ [`en`~bif O~`mb}( [`fjiziwif O~`mb}( F[H
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INW]^IG]
]l` ~`w`i~gl bw gcfmpg}`m bf c~m`~ }c dbfm cp} }l` `dd`g}bt`f`ww cd }l`
gcf}~chhbfj wrw}`e bf g~`mb} `|}`fwbcf i} []& Nifo ]inpfjif F`ji~i( E`mif
N~ifgl ifm }c dbfm cp} zl`}l`~ }l` g~`mb} `|}`fwbcf liw n``f {`~dc~e`m z`hh bf
iggc~mifg` zb}l }l` g~`mb} ei}}`~w cd nifobfj ifm }l` {~cg`mp~`w cd g~`mb}
`|}`fwbcf&
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N~ifgl & ]l` wc~} cd mi}i pw`m i~` {~bei~r mi}i zlbgl ziw }l` cp} gce` cd
bf}`~tb`zw bf dc~e cd yp`w}bcf ifm ifwz`~ zb}l }l` g~`mb} wbm`( ifm }l` w`gcfmi~rmi}i ziw bf }l` dc~e cd c~jifbqi}bcf w}~pg}p~` cd i gce{ifr( i n~b`d lbw}c~r cd igce{ifr ifm }l` hbw} cd g~`mb} gchh`g}inbhb}r bf }l` r`i~ cd >;;0 p{ }c >;;:& ]l`
}`glfbyp` cd mi}i ifihrwbw bw m`wg~b{}bt` e`}lcm&
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]inpfjif F`ji~i( E`mif N~ifgl& Z`f} bf}c i bfg~`iwbfj d~ce >;;0 }c >;;4 ifm
w}bhh gcf}bfp`m bfg~`iwbfj bf }l` r`i~ cd >;;: zlbgl gif hcco`m d~ce F[H ~i}bc
,Fcf [`~dc~ebfj Hcif" }li} bw =(>9% {`~ M`g`en`~ 79 >;;0 bfg~`iwbfj bf}c
7(>:% {`~ M`g`en`~ 79 >;;4 ifm w}bhh gcf}bfp`m }c bfg~`iwbfj bf}c >(7=% {`~M`g`en ~ 79 >;;:& ]lbw giw` bw i{{~c{~bi}` dc~ gb~gphi~ Bfmcf`wbi Nifo fpen`~
W@ Fc&4#>7#M[F[ mi}` cf Eir 79 >;;= e`f}bcf`m }li} }l` ~i}` cd F[H ~i}bc bw
wibm }c n` jccm bd b} bw h`ww }lif 0%& ]l` g~`mb} `|}`fwbcf liw n``f {`~dc~e`m z`hh
bf iggc~mifg` zb}l g~`mb} nifo {chbgr ifm }l` {~cg`mp~`w cd g~`mb} `|}`fwbcf }li}
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MID]I^ BWB
[@^FRI]IIF &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& b
OI]I [@FJIF]I^ &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& bb
INW]^IO &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& bt
INW]^IG]&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&t
MID]I^ BWB&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&tb
MID]I^ JIENI^ &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& tbbb
MID]I^ ]IN@H &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& b|
NIN B [@FMILPHPIF
I& Hi}i~ N`hioifj Eiwihil &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 9
N& [`~pepwif Eiwihil &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 0
G& Ni}iwif [`f`hb}bif &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 0
M& ]papif [`f`hb}bif &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 0
@& Eifdii}[`f`hb}bif&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&0
NIN BB ]BFAIPIF [PW]IOI
I& O~`mb} &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& :
N& Wbw}`e [`fjiziwif O~`mb}&&&&&&&&&&&&&&&&&&&&& &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 9=
i& [~cw`mp~ [`en`~bif O~`mb} &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 9=
n& Wbw}`e [`fjiziwif O~`mb} &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& >4
G& O~`mb} N`~eiwihil F[H ,Fcf [`~dc~ebfj Hcif &>2
M& O`~ifjoi Ocfw`{}pih &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 77
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MID]I^ ]IN@H
Fcec~ Apmph
]in`h =&9 Och`o}bnbhb}iw O~`mb} Wie{ib ]ilpf >;;:&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&49
Lihieif
]in`h =&> Mid}i~ Och`o}bnbhb}iw O~`mb} []&N]F ]ilpf
>;;0>;;:&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&:9
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MID]I^ JIENI^
Fcec~ Apmph
Jieni~ >&9 [~cw`w [`fjiziwif O~`mb} &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& >&> O`~ifjoi Ocfw`{}pih &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& 77
Jieni~ =&9 W}~po}p~ C~jifbwiwb &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&& : [~cw`mp~ [`en ~bif O~`mb} &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&:2
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ioif e`fm`~b}i o`~pjbif( eiwri~ioi} rifj e`en`~boif }inpfjiffri
w`nijib wpen`~ mifi pwili nifo apji ioif }iop} pifjfri }bmio o`enihb&
Ch`l w`nin b}p {`en`~bif o~`mb} o`{imi eiwri~ioi} e`~p{ioif wpi}p
{~cw`w rifj e`e`~hpoif {`~}benifjif mif ifihbwiifihbwi rifj nibo mi~b
nifo pf}po e`fjlbfmi~b o`epfjobfif o`~pjbif w`~}i {`~}benifjif mif
ifihbwi }`~w`np} mb{`fji~plb ch`l o`}`f}pif mi~b Nifo Bfmcf`wbi mif
o`nbaioif mi~b oif}c~ {pwi} b}p w`fmb~b& W`n`hpe e`en`~boif o~`mb} w`c~ifj
{`ebe{bf i}ip {`aini} rifj n`~z`fifj mihie e`ep}pwoif o~`mb} li~pw
e`e{`~li}boif n`n`~i{i dio}c~ w`nijib miwi~ {`~}benifjif mihie
e`en`~boif o~`mb} w`{`~}b 1 wbi{i rifj e`fjbfjbfoif o~`mb}( pf}po i{i
o~`mb} mbjpfioif ( i{i mif n`~i{i fbhib ijpfiffri( mif nijibeifi mif
n`~i{i hiei o~`mb} ioif mbo`enihboif o`{imi nifo mif n`n`~i{i
{`~}benifjif hibffri rifj mb{`~ch`l&
Wbw}`e {`fjiziwif o~`mb} rifj mbhiopoif mihie e`faiebf
o`{`f}bfjif nifo }`~limi{ o~`mb} rifj mbn`~boif( eioi e`f`~i{oif wbw}`e
{`fjiziwif rifj e`hb{p}b {~cw`mp~ {`en`~bif o~`mb} wie{ib {`fjiziwif
hifap}if w`}`hil o~`mb} mb}`~bei m`nb}p~& Mb mihie {~cw`w {`fjiziwiffri
w`n`hpe {`en`~bif o~`mb} o`{imi m`nb}p~( nifo e`ebf}i hi{c~ifhi{c~if
rifj mb{`~hpoif w`gi~i {`~bcmbo }`f}ifj {`~o`enifjif pwilifri olpwpwfri
}`f}ifj pwili rifj mbnbirib ch`l nifo w`lbfjji nifo mi{i} e`fjiziwb
pwili fiwinilfri& [`fjiziwif o~`mb} rifj mbn`~boif ch`l nifo wifji}
{`f}bfj i~}bfri nijb nifo pf}po e`faiebf o`{`f}bfjiffri }`~limi{
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
{`eniri~if o`enihb o~`mb}fri mif pf}po e`eiw}boif mbjpfioif w`wpib
~`fgifi {`~eclcfif o~`mb}&
Aboi wbw}`e {`en`~bif o~`mb} wpmil mb}`~i{oif m`fjif nibo ephib
mi~b fiwinil e`fjiapoif {`~eclcfif o~`mb} wie{ib {`hpfiwif o~`mb}( eioi
{blio nifo ioif w`hihp mi{i} e`fj`}ilpb m`fjif nibo o`jbi}if mif
{`~o`enifjif pwili fiwinilfri w`lbfjji {`~wcihif rifj mblimi{b fiwinil
nifo ioif w`j`~i e`fj`}ilpb mif n`~pwili e`enif}p pf}po o`{`f}bfjif
nifo b}p w`fmb~b& [`fjiziwif o~`mb} ep}hio mbhiowifioif pf}po e`fjlbfmi~b
o~`mb} eig`}& [`fjiziwif o~`mb} imihil pwili hifgi~ rifj {~cmpo}bd i~}bfri
o~`mb} b}p mi{i} mb}i~bo o`enihb n`~wiei npfjifri w`wpib {`~aifabif rifj
}`hil mbw`}papb ch`l o`mpi n`hil {blio& Lih bfb {`f}bfj aboi o~`mb} eig`}
n`~i~}b o`~pjbif nijb nifo n`~wifjop}if& Ch`l oi~`fi b}p( {`frihp~if o~`mb}
li~pw n`~miwi~oif {~bfwb{ o`li}bli}bif m`fjif wbw}`e {`fj`fmihbif rifj
nibo mif n`fi~& M`fjif m`ebobif n`}i{i {`f}bfjfri w`o}c~ {`~o~`mb}if nijb
o`lbmp{if {`~nifoif( w`lbfjji wifji}hil mbnp}ploif {`fjiziwif o~`mb}
rifj }`~ie{bh mif e`eimib&
[]& Nifo ]inpfjif F`ji~i ,[`~w`~c" Ginifj E`mif e`~p{ioif
wihil wi}p {`~pwiliif rifj n`~j`~io mihie nbmifj {`~nifoif& Nifo bfb
e`~p{ioif nifo m`tbwi rifj o`jbi}if c{`~iwbcfih p}ieifri mbnbmifj
{`~o~`mb}if( mbwie{bfj o`jbi}if c{`~iwbcfih hibffri w`{`~}b {`fjji~i{if
mifi mi~b {blio o`}bji( mif hibf w`nijibfri rifj o`epmbif mbwihp~oif
o`enihb o`{imi eiwri~ioi} mihie n`f}po o~`mb}& O~`mb} rifj mbn`~boif
if}i~i hibf n`~p{i o~`mb} bft`w}iwb( o~`mb} ocfwpewb( mif o~`mb} ecmih o`~ai&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
Lih bfb e`~p{ioif o`ilhbif {`fjiziwif olpwpw mihie e`fj`hchi o~`mb}
}`~w`np} mif mi{i} mbhpfiwb }`{i} zio}p ch`l fiwinil ai}pl }`e{c&
[`fjiziwif rifj e`~p{ioif lih rifj {`f}bfj nijb pwili
{`~nifoif& ]papif mi~b {`fjiziwif {`en`~bif o~`mb} bfb }`~p}iei pf}po
e`faiji( e`fjieifoif mif e`fjif}bwb{iwb }`~aimbfri {`frbe{ifjif rifj
mi{i} e`faimboif o~`mb} n`~eiwihil mif aboi }bmio mb}bfmiohifap}b ioif
e`fr`ninoif o`~pjbif nijb nifo& W`~}i m`fjif imifri wbw}`e bfb( {blio
nifo mi{i} e`fj`}ilpb m`fjif g`{i} epfgphfri {c}`fwb o~`mb} n`~eiwihil
rifj mi{i} e`~pjboif nifo&
Wbw}`e {`fjiziwif o~`mb} rifj `d`o}bd mi{i} mbhbli} mi~b o`}`{i}if
}papif mif {`fjjpfiif o~`mb} rifj mbn`~boif ch`l nifo }`~limi{ fiwinil
mif o`hifgi~if {`eniri~if o`enihb o~`mb} ch`l fiwinil {imi wii} ai}pl
}`e{c& ]bfjoi} o``d`o}bdif {`fjiziwif o~`mb} bfb mi{i} ob}i hbli} mi~b
}bfjoi} F[H ,Fcf [`~dc~ebfj Hcif"& ]bfjoi} F[H bfb n`~{`fji~pl mihie
}bfjoi} o`w`li}if nifo rifj e`e{`fji~plb `owbw}`fwb nifo&
N`~miwi~oif o`fri}iif rifj imi( eioi w`}bi{ nifo n`~pwili pf}po
h`nbl e`fbfjoi}oif {`fjiziwif }`~limi{ o~`mb} mif {`hirifif o`{imi
fiwinil iji~ }`~gi{ib }papif rifj mbli~i{oif e`hbli} n`}i{i {`f}bfjfri
o``d`o}bdif wbw}`e {`fjiziwif o~`mb} rifj fif}bfri ioif mbpop~ m`fjif
}bfjoi} F[H ,Fcf [`~dc~ebfj Hcif"( eioi {`fphbw }`~}i~bo pf}po
e`fjimioif {`f`hb}bif m`fjif apmph Ifihbwbw Wbw}`e [`fjiziwif
[`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i , [`~w`~c " Ginifj
E`mif&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
N& [`~pepwif Eiwihil
M`fjif e`e{`~li}boif hi}i~ n`hioifj mb i}iw( eioi {`fphbw
e`~pepwoif eiwihil rib}p1
i& I{ioil wbw}`e {`fjiziwif {`en`~bif o~`mb} {imi Nifo ]inpfjif
F`ji~i , [`~w`~c" Ginifj E`mif }`hil `d`o}bd 3
n& I{ioil {`en`~bif o~`mb} }`hil mbaihifoif w`wpib m`fjif o`nbaiowifiif
{`~o~`mb}if nifo mif {~cw`mp~ {`en`~bif o~`mb} 3
G& Ni}iwif Eiwihil
Iji~ }bmio }`~aimb o`wbe{ifjwbp~if mb mihie {`f`hb}bif rifj
mbhiopoif( eioi {`~eiwihilif mihie {`f`hb}bif ioif mbni}iwb {imi wbw}`e
{`fjiziwif }`~limi{ {`en`~bif o~`mb} {imi []& Nifo ]inpfjif F`ji~i(
,[`~w`~c" Ginifj E`mif&
M& ]papif [`f`hb}bifImi{pf }papif {`f`hb}bif imihil1
9" Pf}po e`fj`}ilpb o``d`o}bdif wbw}`e {`fjiziwif {`en`~bif o~`mb}
rifj mbhiopoif ch`l Nifo ]inpfjif F`ji~i ,[`~w`~c" Ginifj E`mif&
>" Pf}po e`fj`}ilpb i{ioil {`en`~bif o~`mb} }`hil mbaihifoif w`wpib
m`fjif o`nbaiowifiif {`~o~`mb}if nifo mif {~cw`mp~ {`en`~bif o~`mb}&
@& Eifdii} [`f`hb}bifEifdii} {`f`hb}bif bfb imihil1
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
NIN BB
]BFAIPIF [PW]IOI
I& O~`mb}9& [`fj`~}bif O~`mb}
Oi}i o~`mb} n`~iwih mi~b niliwi hi}bf rib}p g~`m`~`( rifj
i~}bfri {`~giri i}ip }c n`hb`t` i}ip }c }~pw}& Ch`l oi~`fi b}p( miwi~
{`ebob~if {`~w`}papif {`en`~bif o~`mb} ch`l nifo {imi w`w`c~ifj i}ip
nimif pwili imihil o`{`~giriif& Nbhi mboib}oif m`fjif o`jbi}if pwili(
o~`mb} n`~i~}b wpi}p o`jbi}if e`en`~boif fbhib `ocfceb , `gcfceb tihp`"
o`{imi w`w`c~ifj i}ip nimif pwili rifj n`~hifmiwoif o`{`~giriif wii}
b}p( nilzi fbhib `ocfceb rifj wiei ioif mbo`enihboif {imi o~`mb}p~
,nifo" w`}`hil aifjoi zio}p w`wpib m`fjif o`w`{ioi}if riej wpmil
mbw`}papb if}i~i o~`mb}p~ mif m`nb}p~&
E`fp~p} {iwih 9 np}b~ ,99" PP Fc& 9; ]ilpf 922;;91
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
19/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
}`~}`f}p {imi eiwi rifj ioif mi}ifj& O`{`~giriif bfb mbn`~boif ch`l
o~`mb}p~( mbeifi w`n`hpefri wpmil e`hiopoif {`f`hb}bif
{`fr`hbmboif }`f}ifj fiwinil nibo w`gi~i bf}`~f eip{pf mi~b `ow}`~f&
[`f`hb}bif bfb e`hb{p}b ocfmbwb eiwi hihp mif w`oi~ifj fiwinil&
7& Imifri {`~w`}papif( n`~p{i o`w`{ioi}if {imi o~`mbp~ m`fjif {blio
hibffri rifj n`~aifab ioif e`eniri~ mi~b {`f`~bei o~`mb} o`{imi
{`en`~b o~`mb}& O`w`{ioi}if bfb mb}pifjoif mihie wpi}p {`~aifabif
mbeifi eiwbfjeiwbfj {blio e`fifmi}ifjifb lio mif o`ziabniffri
eiwbfj eiwbfj&
=& Imifri {`fr`~ilif ni~ifj( aiwi( i}ip pifj mi~b {`en`~b o~`mb}
o`{imi {`f`~bei o~`mb}&
0& Imifri pfwp~ zio}p& W`}bi{ o~`mb} rifj mbn`~boif e`ebhbob aifjoi
zio}p }`~}`f}p( aifjoi zio}p bfb e`fgiop{ eiwi {`fj`enihbif
o~`mb} rifj }`hil mbw`{ioi}b&
4& Imifri pfwp~ ~`wboc ,m`j~`` cd ~bwo"( nibo mb {blio {`en`~b o~`mb}
eip{pf mb{blio {`f`~bei o~`mb}& Wpi}p }`fjjifj zio}p
{`fj`enihbif ioif e`fr`ninoif wpi}p ~`wboc }bmio
}`~}ijblfri#eig`} {`en`~b o~`mb}& W`eiobf {ifaifj wpi}p o~`mb}(
w`eiobf n`wi~ ~`wboc jijih niri~ i}ip o`}bmioeie{pif e`eniri~&
^`wboc mb {blio fiwinil imihil o`gp~ifjif {blio o~`mb}p~( if}i~i
hibf o`bfjbfif mi~b {blio {`en`~b o~`mb} pf}po e`fgi{hco
{`~pwiliif rifj mbn`~b o~`mb} i}ip }ifil rifj mbaiebfoif
:& Imifri pfwp~ npfji w`nijib oce{`fwiwb o`{imi {`en`~b o~`mb}&
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
21/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
mbp}ieioif mihie {`enbiriif m`fjif o~`mb} nifo b}p& W`o}c~
`ocfceb rifj mbeiowpm if}i~i hibf imihil w`o}c~ {`~}ifbif(
{`~}ienifjif( {`~bfmpw}~bif( ocfw}~powb( aiwi wcwbih( aiwimpfbi pwili( mif hibfhibf&
`& A`fbw O~`mb} N`~miwi~oif Wbdi}9" O~`mb} i}iw miwi~ }~ifwiowb wi}p oihb ,``feihbj"( imihil
o~`mb} aifjoi {`fm`o pf}po {`enbiriif wpi}p }~ifwiowb
}`~}`f}p&
>" O~`mb} i}iw miwi~ }~ifwiowb n`~phifj,~`tchtbfj"( imihilo~`mb} aifjoi {`fm`o rifj mbn`~boif o`{imi fiwinil
pf}po pwili rifj e`~p{ioif wpi}p w`~b }~ifwiowb rifj
w`a`fbw&
7" O~`mb} i}iw miwi~ {hidcf }`~oib}( imihil o~`mb} rifj
mbn`~boif m`fjif apehil mif aifjoi zio}p }`~}`f}pm`fjif }papif pf}po mb{`~jpfioif w`nijib }ienilif
ecmih o`~ai nijb wpi}p pfb} {~cmpowb i}iw miwi~ {`fbhibifoi{iwb}iw {~cmpowb# o`np}plif ecmih o`~ai mbeifi
eiowbepe o~`mb} rifj mbn`~boif }bmio }`~boi} {imioi{iwb}iw {~cmpowb fc~eih i}ip ~`ihbwiwb {`fapihif&
=" O~`mb} i}iw miwi~ {hidcf }`~npoi( imihil o~`mb} pf}poo`np}plif ecmih o`~ai mbeifi eiowbepe o~`mb} rifj
mbn`~boif }bmio }`~boi} {imi oi{iwb}iw {~cmpowb fc~eihi}ip ~`ihbwiwb {`fapihif
0" O~`mb} i}iw miwi~ {`fp~pfif {hidcf w`gi~i n`~ifjwp~,idhc{`fm {hidcfm"( imihil o~`mb} rifj mbn`~boif o`{imi
fiwinil rifj {`hpfiwiffri li~pw mbhiowifioif w`gi~in`~ifjwp~ w`wpib m`fjif aimzih {`hpfiwif rifj }`hil
mbw`}papb#mb}`f}poif ch`l nifo&d& A`fbw O~`mb} N`~miwi~oif Wpen`~ Mifi
9" O~`mb} m`fjif mifi nifo w`fmb~b>" O~`mb} m`fjif mifi n`~wieiwiei m`fjif nifo hibf
,wbfmboiwb( ocfwc~wbpe"
7" O~`mb} m`fjif mifi mi~b hpi~ f`j`~b&j& A`fbw O~`mb} N`~miwi~oif N`f}po
9" Giwl Hcif( imihil {bfaieif pifj }pfib rifj mbn`~boifch`l nifo o`{imi fiwinilfri w`lbfjji m`fjif {`en`~bifdiwbhb}iw bfb( nifo }`hil e`fr`mbioif mifi ,d~`w ecf`r"
rifj mi{i} mbjpfioif ch`l fiwinil n`~miwi~oif
o`}`f}pif rifj imi mihie {`~aifabif o~`mb}&
>" Fcf giwl Hcif( imihil diwbhb}iw rifj mbn`~boif nifoo`{imi fiwinilfri( }`}i{b i}iw diwbhb}iw bfb nifo n`hpe
eip e`fj`hpi~oif pifj }pfib
l& O~`mb} N`~miwi~oif Z`z`fifj [`ep}pwif
N`~miwi~oif z`z`fifj {p}pwiffri( o~`mb} mbn`mioif i}iw
z`z`fifj oif}c~ {pwi} mif z`z`fifj oif}c~ ginifj ,o`{ihi
m`tbwb mif mb~`owb zbhiril"
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
b& O~`mb} N`~miwi~oif Wbdi} Diwbhb}iw
9" Gceeb}}`m Digbhb}r( imihil wpi}p diwbhb}iw rifj w`gi~i
lpope( nifo mb{`~aifaboif o`gpihb }`~aimb wpi}p {`~bw}bzirifj e`en`~boif lio o`{imi nifo pf}po e`fi~bo
o`enihb#e`fifjjploif diwbhb}iw }`~w`np} w`wpib wp~i} i}ip
mcope`f hibffri&
>" Pfgceeb}}`m Digbhb}r( imihil wpi}p diwbhb}iw rifj w`gi~ilpope( nifo }bmio e`e{pfrib o`ziabnif pf}po
e`e`fplbfri w`wpib m`fjif rifj }`hil mb{`~aifaboif&
a& O~`mb} N`~miwi~oif Ioim
9" [bfaieif m`fjif ioim o~`mb}( imihil {bfaieif rifjmbw`~}ib m`fjif wpi}p {`~aifabif o~`mb} }`~}phbw if}i~i nifo
m`fjif fiwinil( rifj if}i~i hibf e`fji}p~ n`wi~fri
{hidcf o~`mb}( wpop npfji( aifjoi zio}p( aiebfif( gi~i{`hpfiwif( mif w`nijibfri&
>" [bfaieif }if{i ioim o~`mb}( imihil {bfaieif rifj }bmiombw`~}ib wpi}p {`~aifabif }`~}phbw&
7& ]papif mif Dpfjwb O~`mb}
^btib ,>;;414" e`fji}ioif nilzi {imi miwi~fri }`~mi{i} mpi
dpfjwb rifj wihbfj n`~oib}if m`fjif o~`mb}( rib}p {~cdb}inbhb}r mif
wid`}r& [~cdb}inbhb}r rib}p( }papif pf}po e`e{`~ch`l liwbh mi~b o~`mb}
n`~p{i o`pf}pfjif mi~b npfji rifj li~pw mbniri~ fiwinil& W`mifjoif
wid`}r e`~p{ioif o`ieifif mi~b {~`w}iwb i}ip diwbhb}iw rifj mbn`~boif
li~pw n`fi~n`fi~ }`~aiebf w`lbfjji }papif {~cdb}inbhb}r mi{i} }`~gi{ib
}if{i lieni}if rifj n`~i~}b&
]ac`oie ,922217" e`fji}ioif nilzi mihie {`~o~`mb}if
e`hbni}oif n`n`~i{i {blio rib}p1 o~`mb}p~ ,nifo"( m`nb}p~ ,{`f`~bei
o~`mb}"( c}c~b}i ecf`}`~ ,{`e`~bf}il" mif eiwri~ioi} {imi pepefri&
Ch`l oi~`fi b}p( }papif {`~o~`mb}if nijb w`}bi{ {blio rifj }`~oib} if}i~i
hibf1
i& Nijb O~`mb}p~ ,nifo"1
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
9" [`~o~`mb}if e`~p{ioif wpen`~ p}iei {`fmi{i}iffri&
>" [`~o~`mb}if e`~p{ioif bfw}~pe`f {`faiji hbopbmb}iw( wchtinbhb}iw
mif {~cdb}inbhb}iw nifo&
7" O~`mb} mi{i} e`eifdii}oif mif e`e{~cmpo}bdoif mifimifi
rifj imi&
n& Nijb M`nb}p~1
9" O~`mb} n`~dpfjwb w`nijib wi~ifi pf}po e`enpi} o`jbi}if pwili
w`eiobf hifgi~ mif {`~dc~eifg` ,obf`~ai" pwili w`eiobf nibo
mi~b{imi w`n`hpefri&
>" O~`mb} e`fbfjoi}oif ebfi} n`~pwili mif o`pf}pfjif w`nijib
aiebfif o`hifap}if o`lbmp{if {`~pwiliif&
7" O~`mb} e`e{`~hpiw o`w`e{i}if n`~pwili mif n`o`~ai mihie
{`~pwiliif&
g& Nijb C}c~b}i, {`e`~bf}il "1
9" O~`mb} w`nijib bfw}~pe`f ecf`}`~
>" O~`mb} mi{i} e`fgb{}ioif o`w`e{i}if n`~pwili mif o`w`e{i}if
o`~ai rifj e`e{`~hpiw wpen`~ {`fmi{i}if f`ji~i&
7" O~`mb} mi{i} w`nijib bfw}~pe`f pf}po bop} w`~}i e`fbfjoi}oif
ep}p eifia`e`f mpfbi pwili( w`lbfjji }`~aimb `dbwb`fwb mif
e`fjp~ifjb {`enc~cwif mb w`epi hbfb&
m& Nijb Eiwri~ioi}
9" O~`mb} mi{i} e`fjp~ifjb {`fjifjjp~if( oi~`fi e`enpoi
{`hpifj n`~pwili( n`o`~ai mif {`e`~i}if {`fmi{i}if&
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
24/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
>" O~`mb} mi{i} e`fbfjoi}oif dpfjwb {iwi~( oi~`fi imi {`fbfjoi}if
miri n`hb&
W`mifjoif Inmphhil ,>;;01
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
25/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
nbmifj {`~o~`mb}if eioi o`nbaioif }`~w`np} li~pw e`fjifmpfj
o`{p}pwif rifj n`~wbdi} }`ofbw c{`~iwbcfih& [imi o`nbaioif o~`mb}
{`~nifoif( mbnpi}hil {~cw`mp~ mb mihie {`en`~bif o~`mb} ch`l nifo&
[~cw`mp~ {`en`~bif o~`mb} }`~w`np} mbnijb i}iw n`n`~i{i }ili{ w`nijib
n`~bop}1
i& ]ili{ [`~eclcfif O~`mb}
]ili{ bfb e`~p{ioif {`~fri}iif izih rifj li~pw mb{`fplb
ch`l fiwinil i{inbhi l`fmio e`fjiapoif o~`mb}( rib}p m`fjif
e`fjiapoif }`~h`nbl milphp wp~i} {`~eclcfif mif e`fjbwb mid}i~
bwbif rifj mbw`mbioif ch`l nifo& [imi }ili{ bfb fiwinil e`h`fjoi{b
{`~wri~i}if n`~p{i mi}i i}ip bfdc~eiwb n`~bop}1
9" Bm`f}b}iw mb~b
>" [~bnimb i}ip {`~w`c~ifjif1 o`}`~ifjif e`fj`fib mb~b {`eclcf
o~`mb}&
7" Nimif pwili i}ip {~cd`wb }`~mb~b mi~b1 n`~n`f}po nimif pwili(
wpwpfif {`fjp~pw mif ihiei}fri( nbmifj pwili mif o`jbi}iffri(
mif wpwpfif {`~ecmihif&
=" Bfdc~eiwb e`fj`fib {cwbwb o`pifjif {`~pwiliif
0" [~iw{`o mi~b fiwinil rifj n`~wifjop}if pf}po zio}p rifj ioif
mi}ifj&
4" Bfdc~eiwb wcwbih ocfceb&
:" Apehil mif {`~bfgbif {`fjjpfiif o~`mb}&
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
26/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
2" Bfdc~eiwb e`fj`fib aiebfif rifj ioif mbn`~boif fiwinil&
9;" E`enpoi ~`o`fbfj mb nifo n`~wifjop}if&
n& ]ili{ Ifihbwi O~`mb}
[`~eclcfif o~`mb} rifj w`li} li~pw mbmiwi~oif {imi wpi}p
ifihbwi rifj g`~ei} i}iw {`~eclcfif o~`mb} rifj mbeiowpm&
Nbiwifri o~b}`~b {`fbhibif rifj pepe mif li~pw mbhiopoif ch`l nifo
pf}po mbn`~boif( mbhiopoif m`fjif 0G& [`fbhibif m`fjif 0G bfb
n`~bwb {`fbhibif e`fj`fib1
9" Gli~ig}`~( e`~p{ioif o`imiif zi}io#wbdi}( nibo mihie
o`lbmp{if {~bnimb eip{pf mihie hbfjopfjif pwili& Bfb mi{i}
mbhbli} m`fjif e`f`hb}b ~bziri} lbmp{ fiwinil( ~`{p}iwb gihcf
fiwinil }`~w`np} mbhbfjopfjif pwili( mif e`ebf}i nifo }c nifo
bfdc~ei}bcf& Lih bfb e`~p{ioif pop~if o`eipif pf}po
e`eniri~&
>" Gi{b}ih( imihil apehil ecmih w`fmb~b rifj mbebhbob ch`l gihcf
fiwinil& Bfb mi{i} e`hbli} i{ioil {`fjjpfiif ecmih rifj
`d`o}bd m`fjif e`hiopoif {`fjpop~if w`{`~}b mi~b w`jb hbopbmb}iw(
~`f}inbhb}iw( mif wchtinhb}iw&
7" Gi{igb}r( imihil o`eie{pif rifj mbebhbob ch`l fiwinil mihie
e`faihifoif pwilifri jpfi e`e{`~ch`l hini rifj mbli~i{oif&
Bfb mbjpfioif e`fj`}ilpb#e`fjpop~ wie{ib w`aipl eifi gihcf
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27/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
fiwinil eie{p pf}po e`fj`enihboif i}ip e`hpfiwb lp}ifj
lp}ifjfri w`gi~i }`{i} zio}p mi~b pwili rifj mb{`~ch`l&
=" Gchhi}`~ih( imihil ni~ifjni~ifj mbw`~iloif fiwinil w`nijib
ijpfif }`~limi{ o~`mb} rifj mb}`~beifri( bfb mbjpfioif pf}po
e`fbhib w`aipl eifi ~`wboc o`ziabnif dbfifwbih fiwinil o`{imi
nifo&
0" Gcfmb}bcf( imihil wb}piwb {chb}bo( `ocfceb( wcwbih( npmiri rifj
e`e{`fji~pb o`hifgi~if {`~pwiliif gihcf fiwinil&
W`hibf m`fjif e`fjjpfioif {~bfwb{ 0G bfb( {blio {`~nifoif
apji ioif e`e{`~}benifjoif n`n`~i{i iw{`o rifj e`e{`fji~plb
mihie {`en`~bif o~`mb}( mbif}i~ifri1
9" Iw{`o lpope( e`fp~p} Wp}i~fc e`fri}ioif nilzi rifj
mbfbhib mihie iw{`o lpope imihil eiwihil h`jihb}iw nimif pwili
w`~}i bqbfbqbf rifj mbebhbob {`~pwiliif rifj e`fjiapoif
o~`mb}& [`fbhibf bfb ioif e`f`hb}b io}` {`fmb~bif {`~pwiliif(
Wp~i} Bqbf Pwili( ]ifmi mid}i~ {`~pwiliif( f{z{ mif o`inwilif
wp~i} rifj mbaiebfoif& Iw{`o lpope wifji} {`f}bfj oi~`fi
zihip{pf w`epi iw{`o rifj imi gpop{ hirio( }`}i{b i{inbhi
w`gi~i lpope mcope`f rifj mbn`~boif }bmio wil( eioi w`epi
{`~aifabif mbifjjji{ ni}ih&
>" Iw{`o {`eiwi~if( rifj mbfbhib imihil {`~ebf}iif }`~limi{
{~cmpo rifj mbliwbhoif w`oi~ifj bfb mif mb eiwi rifj ioif
mi}ifj {~cw{`ofri nifjibeifi( ebwihfri {`eiwi~if {~cmpofri
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
28/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
ebfbeih 7 }ilpf rifj hihp ~`fgifi {`fapihif mi~b {~cmpowb pf}po
7 }ilpf rifj ioif mi}ifj( {`}i o`opi}if {`f}bfj( mif {~cw{`o
{~cmpo w`gi~i o`w`hp~plif&
7" Iw{`o o`pifjif( rifj mbebhbob imihil wpen`~wpen`~ mifi rifjmbebhbob pf}po e`enbirib pwilifri mif nifjibeifi {`fjjpfiif
mi}i }`~w`np}& [`fbhibif bfb mbhbli} mi~b giwl dhcz( {irnigo( mif
n~`io `t`f {cbf}&
=" Iw{`o }`ofbw( rifj mbfbhib imihil eiwihil rifj n`~oib}if
m`fjif {~cmpowb( w`{`~}b hcoiwb mif e`wbf rifj mbjpfioif&
0" Iw{`o eifia`e`f( rifj mbfbhib imihil w}~po}p~ c~jifbwiwb
{`~pwiliif( wpen`~ miri eifpwbi rifj mbebhbob w`~}i hi}i~
n`hioifj {`fjihieif wpen`~ miri eifpwbifri mif {`fjihieif
{`~pwiliif mihie e`fj`hchil n`~nijib {~cr`o rifj imi&
4" Iw{`o wcwbih `ocfceb( e`fjifihbwbw mie{io }`~limi{
{`~`ocfcebif mif eiwri~ioi} pepe( w`{`~}b e`fjp~ifjb
{`fjifjjp~if( e`fbfjoi}oif `ow{c~ mif hibfhibf&
:" Iw{`o iemih( e`frifjop} ifihbwbw i{ioil o~`mb} rifj mbn`~boif
}`~w`np} fif}bfri ioif mbjpfioif pf}po {~cr`o rifj mi{i}
e`fjihieb {`fg`ei~if hbfjopfjif i}ip }bmio&
W`}`hil {blio nifo e`hiopoif ifihbwbw w`{`~}b rifj }`~w`np}
mbi}iw( eioi w`hifap}fri e`~`oi ioif e`hiopoif zizifgi~i&
Zizifgi~i bfb ioif mbhiopoif mihie mpi }ili{& [imi }ili{ {`~}iei(
n`~}papif pf}po e`fmi{i}oif o`riobfif i{ioil n`~oiwn`~oiw
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29/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
}`~w`np} wpmil w`wpib m`fjif rifj mbbfjbfoif ch`l {blio nifo(
w`oihbjpw pf}po e`fj`}ilpb o`bfjbfif mif o`np}plif fiwinil rifj
w`n`fi~fri& W`n`hpe mbhiopoiffri zizifgi~i }ili{ o`mpi( eioi
ioif mbhiopoif }`~h`nbl milphp {`e`~bowiif hi{ifjif&
[imi }ili{ bfb {blio nifo ioif e`hiopoif {`e`~bowiif
hifjwpfj o`hi{ifjif m`fjif e`fbfaip n`~nijib iw{`o rifj ioif
mbaimboif pwili i}ip aiebfif& Mi}i rifj mb{`~ch`l mi~b {`e`~bowiif
hi{ifjif fif}bfri ioif mbgcgcoif m`fjif liwbh mi~b zizifgi~i
}ili{ {`~}iei& Nbiwifri( mihie e`hiopoif {`e`~bowiif hi{ifjif(
gihcf fiwinil }bmio ioif mbn`~b }ilp w`n`hpefri iji~ mi{i} mbhbli}
hifjwpfj ocfmbwb rifj w`n`fi~fri& W`}`hil b}p( ioif mbhiopoif
zizifgi~i }ili{ o`mpi& [imi }ili{ bfb mbhbli} i{ioil imi o`w`wpibif
mif e`fjifmpfj o`n`fi~if if}i~i zizifgi~i }ili{ {`~}iei
m`fjif {`e`~bowiif hi{ifjif&
g& ]ili{ O`{p}pwif o~`mb}W`}`hil e`hihpb }ili{if }`~w`np} mif e`hihpb {~cw`w
~`oce`fmiwb mi~b {`aini} nifo rifj }`~oib}( eioi ioif imi
o`{p}pwif o~`mb} rifj mbw`}papb i}ip mb}chio& Aboi {`~eclcfif
mb}chio( eioi ioif mbob~beoif wp~i} {`fchioif rifj mbw`~}ib
ihiwiffri& Mif aboi o~`mb} mbw`}papb( eioi ioif mbnpi} {`~w`}papif
o~`mb} rifj n`~bwb a`fbw o~`mb}( apehil o~`mb} rifj mb}`~bei( aifjoi
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
30/89
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
31/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
Ebwihoif( w`c~ifj fiwinil e`fmi{i}oif o~`mb} ecmih o`~ai
w`n`wi~ ^{& 9&;;;&;;;&;;;( m`fjif aifjoi zio}p 74 nphif mif npfji
90%& [~ctbwb o~`mb} 9% mi~b apehil o~`mb}& [`fih}r }pfjjioif {coco#
npfji w`n`wi~ 0;% mi~b o`ziabnif npfji w`nphif& [blio nifo ioif
e`fjiopb o~`mb} bfb {imi wii} mbhiopoiffri {`fi~boif ch`l m`nb}p~&
Ebwihoif {blio m`nb}p~ e`hiopoif {`fi~boif w`n`wi~
^{& :0;&;;;&;;;( eioi {blio nifo ioif e`hiopoif {`fgi}i}if
w`nijib n`~bop}1
9& [`fgi}i}if {~ctbwb o~`mb}
[~ctbwb o~`mb} bfb ioif mbgi}i} w`n`wi~
5 9% \ ^{& 9 &;;;&;;;&;;;
5 {& 9;&;;;&;;;(
[~ctbwb o~`mb} bfb ioif mbgi}i} m`fjif ap~fih 1
Oiw#~`o`fbfj fiwinil&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& 9;&;;;&;;;(
[`fmi{i}if {~ctbwb o~`mb} mb}`~bei mbepoi&&&&^{& 9;&;;;&;;;(
>& [`fgi}i}if o~`mb} rifj mbn`~boif
O~`mb} rifj mbn`~boif bfb ioif mbgi}i} {imi wii} m`nb}p~
e`hiopoif {`fi~boif( rib}p w n`wi~ ^{& :0;&;;;&;;;& {blio
nifo ioif e`fgi}i} m`fjif ap~fih1
O~`mb} rifj mbn`~boif &&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& :0;&;;;&;;;(
O~`mb}#~`o`fbfj fiwinil&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&&^{& :0;&;;;&;;;(
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32/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
Mif n`~wieiif m`fjif b}p( ioif mbhiopoif {`fgi}i}if pf}po
e`fjp~ifjb o`ziabnif diwbhb}iw o~`mb} rifj n`hpe mbjpfioif(
m`fjif e`fm`nb}oiffri w`n`wi~ ^{& >0;&;;;&;;;( {imi o`ziabnif
oceb}e`f diwbhb}iw o~`mb} rifj n`hpe mb}i~bo fiwinil mif
e`fjo~`mb}oiffri {imi ocf}~i diwbhb}iw o~`mb} rifj n`hpe mb}i~bo
fiwinil&
E`fp~p} Boi}if Iopf}if Bfmcf`wbi ,>;;=1>7&4"(
{`fmi{i}if imihil i~pw eiwpo n~p}c mi~b eifdii} `ocfceb rifj
}benph mi~b io}btb}iw fc~eih {`~pwiliif w`hiei wpi}p {`~bcm` nbhi
i~pw eiwpo b}p e`fjiobni}oif o`fiboif `opb}iw( rifj }bmio n`~iwih
mi~b ocfw}~bnpwb {`fifieif ecmih&
E`fp~p} W}bg` ,>;;=1>2:" n`~{`fmi{i} nilzi {`fjiopif
{`fmi{i}if imihil1
Wii} mbeifi iopf}if e`fjjpfioif gi}i}if {`fapihif e`hihpb
ap~fih `f}~b mihie gi}i}if iopf}ifwb dc~eih& [`fmi{i}ifw`hihp mbiopb {imi wii} mpi o~b}`~bi {`f}bfj n`~bop} mi{i}
mb{`fplb1
i&[`o`~aiif wpmil mbw`h`wiboif ,{`~pwiliif wpmil e`hiopoif
w`wpi}p"
n&Oiw i}ip o`inwilif aifab pf}po {`eniri~if mbeiwi mi}ifj
wpmil mb}`~bei ,{`~pwiliif wpmil e`f`~bei w`wpi}p
w`nijib {`fj`enihbif"&
Eiowpmfri {`fmi{i}if }`~w`np} mi{i} mbiopb mihie o`imiif
w`}`hil {`~pwiliif }`~w`np} }`hil e`fr`h`wiboif {`o`~aiiffri
i}ip{pf {imi wii} {`~pwiliiif n`hpe e`hiopoif {`o`~aiiffri }`}i{b
wpmil e`f`~bei oiw m`fjif {`~aifabif nilzi {`o`~aiiffri ioif
mbw`h`wiboif mb eiwi rifj ioif mi}ifj&
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33/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
[~bfwb{ {`fmi{i}if e`fri}ioif nilzi {`fmi{i}if li~pw
mbiopb mihie hi{c~if o`pifjif o`}boi1
i& [`fmi{i}if mbliwbhoif( rib}p nbhi {`~pwiliif }`hil
e`fr`h`wiboif w`nijbif n`wi~ {`o`~aiif rifj li~pw
mbhiopoiffri iwihoif n`~lio i}iw eifdii} rifj mbn`~boif ch`l
{`fmi{i}if rifj }`~oib}&
n& [`fmi{i}if mb~`ihbwiwb i}ip mi{i} mb~`ihbwiwb( {`fmi{i}if
mb~`ihbwiwb o`}boi oiw i}ip ohibe ,{bp}ifj" i}ip oiw mb}`~bei pf}po
ni~ifj i}ip aiwi rifj mb{`~}poi~oif& [`fmi{i}if mi{i} mb~`ihbwiwb
i{inbhi io}bti rifj mb}`~bei mi{i} w`j`~i mbocft`~wboif o`
mihie apehil rifj mbo`}ilpb&
W`gi~i pepe( e`}cm` {`fjiopif {`fmi{i}if imi mpi rib}p1
i& Miwi~ io~pih
E`fp~p} miwi~ io~pih bfb( {`fmi{i}if mbiopb {imi wii} ni~ifj
mbapih i}ip aiwi mbhiowifioif }if{i e`eifmifj wii} {`f`~beiif
oiw&
n& Miwi~ Oiw
[`fjiopif mbhiopoif m`fjif miwi~ }pfib imihil aboi {`fmi{i}if
mif n`nif lifri mb{`~lb}pfjoif n`~miwi~oif {`f`~beiif mif
{`fj`hpi~if oiw& Bfb n`~i~}b( {`fmi{i}if mi~b {`fapihif ni~ifj
i}ip aiwi lifri mbiopb mihie {`~bcm` o`}boi oiw mb}`~bei mi~b
{`hifjjif&
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34/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
Npfji o~`mb} e`~p{ioif wpen`~ {`fmi{i}if nifo& Mb~`o}c~i}
[`f`hb}bif mif [`fji}p~if [`~nifoif ,>;;91BBB&
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35/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
N`~miwi~oif Wp~i} O`{p}pwif Nifo Bfmcf`wbi Fc&
79#9=
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36/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
>& Wbw}`e [`fjiziwif O~`mb}
i& [`fj`~}bif mif ]papif Wbw}`e [`fjiziwif O~`mb}
E`fp~p} Egh`cm ,>;;=12" e`fr`np}oif( wbw}`e imihil
w`o`hce{co `h`e`f`h`e`f rifj }`~bf}`j~iwb m`fjif eiowpm rifj
wiei pf}po e`fgi{ib wpi}p }papif&
Wbw}`e e`~p{ioif ai~bfjif {~cw`w rifj wihbfj n`~lpnpfjif
mif mbo`enifjoif mihie e`hiowifioif o`jbi}if p}iei {`~pwiliif&
Ch`l oi~`fi b}p( pf}po e`e{`~opi} wbw}`e {`fjiziwif }`~limi{
{`fmi{i}if mif nbiri( eioi mb{`~hpoif wbw}`e {`fjiziwif o~`mb}&
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
mi~b {`e`~b}il A`{ifj o` [`e`~bf}il ^`{pnhbo Bfmcf`wbi mif }`~aimbhil
{`fjjif}bif fiei e`faimb Oif}c~ ]inpfjif [cw& Ni{io
Mi~ecwc`}if}c mb}`}i{oif ch`l [`e`~bf}il ^`{pnhbo Bfmcf`wbi e`faimb
mb~`o}p~ rifj {`~}iei& ]pjiw {`~}iei Oif}c~ ]inpfjif [cw imihil
e`hiopoif {`fpoi~if pifj A`{ifj m`fjif C`ifj ^`{pnhbo Bfmcf`wbi
,C^B"& ]`}i{b o`jbi}if Oif}c~ ]inpfjif [cw }bmio n`~pep~ {ifaifj(
oi~`fi ij~`wb N`hifmi ,92=4" e`fjiobni}oif mbmpmpobfri w`epi oif}c~(
}`~eiwpo oif}c~ ginifj( mi~b Oif}c~ ]inpfjif [cw mbnpoi o`enihb
,92=2"( fiei Oif}c~ ]inpfjif [cw mbjif}b e`faimb Nifo ]inpfjif
^B & W`aio o`hilb~iffri mif wie{ib n`~pnil fiei Nifo ]inpfjif [cw
^B( h`eniji bfb n`~fipfj mb nizil O`e`f}`~bif [`~lpnpfjif&
Nifrio o`aimbif rifj n`~fbhib w`ai~il w`aio }ilpf 920;& ]`}i{b
rifj wpnw}if}bd nijb w`ai~il N]F imihil mbo`hpi~oiffri PP Mi~p~i}
Fc& 2 ]ilpf 920; }ifjjih 2 D`n~pi~b 920;( rifj e`fjpnil fiei
[cw}{ii~nifo Bf Bfmcf`wbin`~miwi~oif w}ii}wnhi} Fc& >20 }ilpf 92=9
e`faimb Nifo ]inpfjif [cw mif e`ebfmiloif bfmpo O`e`f}`~bif mi~b
o` O`e`f}`~bif O`pifjif mb nizil E`f}`~b P~pwif Nifo W`f}~ih&
Zihip{pf m`fjif PP Mi~p~i} }`~w`np} eiwbl n`~fiei Nifo ]inpfjif
[cw( }`}i{b }ifjjih 2 D`n~pi~b 920; mb}`}i{oif w`nijib li~b mif }ifjjih
hilb~ Nifo ]inpfjif F`ji~i& Fiei Nifo ]inpfjif [cw e`fp~p}
Pfmifjpfmifj Mi~p~i} }`~w`np} mi~b fiei Nifo ]inpfjif [cw e`faimb
Nifo ]inpfjif F`ji~i mbmiwi~oif {imi [@^[P Fc& = }ilpf 9247
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
}ifjjih >> Apfb 9247( rifj o`epmbif mbopi}oif m`fjif PP Fc& > }ilpf
924= }ifjjih >0 E`b 924=&
[`f`jiwif w}i}pw Nifo ]inpfjif F`ji~i w`nijib nifo ebhbo
f`ji~i( mb}`}i{oif m`fjif PP Fc& >; }ilpf 924< }ifjjih 92 M`w`en`~
924;;> }ifjjih >9 Ijpw}pw >;;>( e`ep}pwoif Nifo N]F
w`nijb nifo pepe m`fjif dcopw nbwfbw {`enbiriif {`~peilif }if{i
wpnwbmb&
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50/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
>& W}~po}p~ C~jifbwiwb [`~pwiliifN`~miwi~oif z`z`fifj( mi{i} ob}i hbli} w}~po}p~ c~jifbwiwb []&
Nifo ]inpfjif f`ji~i ,[`~w`~c" Ginifj E`mif Ah& [`epmi Fc& 9; I
E`mif& Imi{pf {`enijbif }pjiw mif }ifjjpfj aizin {imi w`}bi{
nijbif n`~miwi~oif w}~po}p~ c~jifbwiwb []& Nifo ]inpfjif F`ji~i
,{`~w`~c" Ginifj E`mif imihil w`nijib n`~bop}1
9& Pfb} O`~ai eifia`e`f ginifjPfb} o`~ai eifia`e`f ginifj []& Nifo ]inpfjif F`ji~i
,[`~w`~c" E`mif e`hb{p}b1
i& O`{ihi Ginifj ,N~ifgl Eifij`~"
Imi{pf }pjiw mif }ifjjpfj aizin O`{ihi ginifj ,N~ifgl
Eifij`~" imihil1
9& E`frbi{oif ~`fgifi nbwfbw pf}po ginifj&
>& E`frpwpf o`nbaioif ginifj w`wpib m`fjif {`}pfapo oif}c~
{pwi}&
7& E`ec}btiwb nizilif mif ~`oif o`~ai &
=& E`fjienbh o`{p}pwif nbwfbw&
0& E`fj`hchil o`pifjif( o`oiriif nifo mif o`{`jizibif mb
oif}c~ ginifj e`fp~p} {`~i}p~if Mb~`owb&
4& E`fjlbe{pf mifi e`hihpb {~cmpo }inpfjif( m`{cwb}c
n`~aifjoi( jb~c( O~`mb} [`ebhboif ^peil ,O[^" mif o~`mb}
hibffri w`wpib }i~j`} rifj }`hil mb}`}i{oif n`~miwi~oif
o`}`}i{if Mb~`owb rifj n`~hiop&
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7/31/2019 ANALISIS SISTEM PENGAWASAN PEMBERIAN KREDIT PADA PT. BANK TABUNGAN NEGARA ( PERSERO ) CABANG MEDAN
52/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
=& E`hiopoif {`eniri~if }pfib o`{imi {`f`~bei ob~beif pifj&
n& Gpw}ce`~ W`~tbg`
]pjiw mif ]ifjjpfj aizin Gpw}ce`~ W`~tbg` imihil1
9& E`en`~boif bfdc~eiwb }`f}ifj {~cmpo N]F o`{imi fiwinil
#eiwri~ioi} pepe&
>& E`en`~boif bfdc~eiwb }`f}ifj ~`o`fbfj ,wihmc( }~ifwiowb( mif
hibfhibf" o`{imi {`ebhbo ~`o`fbfj&
7& E`hirifb {`enpopif ~`o`fbfj ni~p ,}inpfjif( m`{cwb}c mif
jb~c"&
=& E`hirifb ocfdb~eiwb wihmc mi~b ginifj hibf&
0& E`hirifb {`~g`}ioif wihmc }inpfjif {imi npop }inpfjif&
4& E`hirifb {`fgib~if m`{cwb}c mif {`fp}p{ ~`o`fbfj
}inpfjif#jb~c&
:& E`hirifb {`fjjif}bif npop }inpfjif i}ip {`~g`}ioif npop
}inpfjif ni~p&
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53/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
>& E`hiopoif Zizifgi~i Gihcf M`nb}p~&
7& E`hiopoif {`fbfaipif pf}po e`hiopoif o`hirioif Gihcf
M`nb}p~&
=& E`frpwpf mid}i~ pwphif {`~eclcfif mif e`fjimioif ^i{i}
Oceb}` O~`mb}&
0& E`frie{iboif liwbh o`{p}pwif ^i{i} Oceb}` O~`mb} ,n`~p{i
W[7O" o`{imi Gihcf M`nb}p~&
4& E`frpwpf {`~aifabif o~`mb} mif e`hiowifioif Ioim O~`mb}
,n`~wieiHcif Imebfbw}~i}bcf"&
:& E`hirifb mif e`fr`h`wiboif ohibe m`nb}p~&
& E`hirifb }~ifwiowb {`ebfmil npopif&
7& E`hiowifioif }~ifwiowb ob~beif pifj&
=& E`hiowifioif }~ifwiowb ohb~bfj mif bfoiwc&
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54/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
0& E`fj`hchi hbopbmiwb ginifj&
4& E`fr`h`fjji~ioif imebfbw}~iwb mif {`fr`}c~if {iaio&
:& E`fr`h`fjji~ioif {`enpopif ifjwp~if O[^ e`hihpb oif}c~
{cw mif nifo hibf&
& E`hiopoif ifihbwi o~`mb} pepe&
7& E`fjiapoif pwphif i}ip ~`oce`fmiwb o`hirioif {`~eclcfif
o~`mb}&
=& E`hiopoif }iowiwb ijpfif&
0& E`frbe{if mif e`e`hbli~i mcope`fmcope`f ijpfif
o~`mb}&
4& E`fbhib o`hirioif cna`o ijpfif&
:& E`hiopoif {`enbfiif }`~limi{ m`nb}p~ o~`mb} pepe&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
9;&E`hiopoif hifjoil hifjoil {`fr`h`wibif o~`mb}&
g"& J`f`~ih N~ifgl Imebfbw}~i}bcf
]pjiw mif }ifjjpfj aizin J`f`~ih N~ifgl Imebfbw}~i}bcf
,JNI" imihil1
9& E`frbi{oif o`np}plif ihi}( wi~ifi mif {~iwi~ifi c{`~iwbcfih
oif}c~ ginifj&
>& E`e`hbli~i iww`} }`}i{ , w`{`~}b 1 j`mpfj( ~peil mbfiw(
o`fm`~iif mif w`nijibfri"&
7& E`fr`h`fjji~ioif p~pwif p~pwif o`{`jizibif&
=& E`fr`h`fjji~ioif p~pwif pepe hibffri&
=& Gchh`g}bcf mif Zc~ocp}
Gchh`g}bcf mif Zc~ocp}imihil nijbif rifj e`fji}p~ }`f}ifj
{`enbfiif( {`fr`hiei}if mif {`fijblif o~`mb}& Gchh`g}bcf mif
Zc~ocp} []& Nifo ]inpfjif F`ji~i , [`~w`~c " Ginifj E`mif
e`hb{p}b1
i& Zc~ocp} W}idd
]pjiw mif }ifjjpfj aizin Zc~ocp} W}iddimihil1
9& E`eiw}boif {`eniri~if o`enihb o~`mb} rifj n`~eiwihil
m`fjif e`hiopoif }bfmioif {`fr`h`wibif&
>& E`hiopoif {~cw`w ~`w}~po}p~bwiwb o~`mb} ~`}ibh mif o~`mb}
pepe&
7& E`hiopoif {~cw`w {`fr`h`wibif o~`mb} ~`}ibh mif o~`mb} pepe&
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56/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
=& E`fr`h`wiboif {`~eiwihilif lpope rifj n`~oib}if m`fjif
iww`} o~`mb} rifj n`~eiwihil&
0& E`enpi} hi{c~if ~p}bf o` oif}c~ {pwi} rifj }`~oib} m`fjif
}bfmioif {`fr`h`wibif o~`mb}&
n& Gchh`g}bcf W}idd
]pjiw mif }ifjjpfj aizin Gchh`g}bcf W}iddimihil1
9& E`hiopoif bm`f}bdboiwb }`~aimbfri }pfjjioif&
>& E`hiopoif {`enbfif o~`mb} ~`}ibh&
7& E`eif}ip o`hifgi~if {`eniri~if o~`mb}&
=& E`hiopoif {`eif}ipif mi}i O[^ pf}po o`np}plif
{`enbfiif m`nb}p~&
0& E`en`~boif ih}`~fi}bd {`enbfiif o~`mb} iji~ o~`mb}
o`enihb hifgi~&
4& E`hiopoif {`hirifif( {`enbfif mif {`eif}ipif
{`eniri~if m`nb}p~ och`o}bd&
:& E`hirifb m`nb}p~ rifj e`e`~hpoif }bfmioif {`fr`h`wibif
olpwpw o~`mb} m`fjif {`enbfiif o~`mb}&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
0& Pfb} Iggcpf}bfj Gcf}~ch
]pjiw mif }ifjjpfj aizin Pfb} Iggcpf}bfj Gcf}~ch imihil1
9& E`frbi{oif hi{c~ifhi{c~if o`pifjif Nifo ,F`~igi( ^#H"&
>& E`hiopoif {`fjiziwif ,ocf}~ch" }`~limi{ {cw{cw rifj }`~mi{i}
{imi hi{c~if o`pifjif&
7& E`frbe{if mif e`e`hbli~i dbh`dbh` ,i~wb{" npo}bnpo}b
}~ifwiowb&
=& E`hiopoif {`fjiziwif w`gi~i bf}`~f , bf}`~fih gcf}~ch"&
0& E`frbi{oif hi{c~ifhi{c~if pf}po o`np}plif bf}`~fih eip{pf
`ow}`~fih&
4& W`nijib o`h`fjoi{if mi}i ~ifjoi {`e`~bowiif {blio `ow}`~fih
mif bf}`~fih&
4& Pfb} Oif}c~ Oiw
]pjiw mif }ifjjpfj aizin Oif}c~ Oiw imihil1
9& [`fjlbe{pfif mifi e`hihpb {~cmpo ]inpfjif( M`{cwb}c(
Ifjwp~if O[^ mif hibffri&
>& E`~p{ioif papfj }cenio {`eiwi~if {~cmpo {~cmpo nifo&
7& E`fpfaifj hbopbmb}iw oif}c~ ginifj&
7& ^pifj Hbfjop{ O`jbi}if mif A`fbw% a`fbw O~`mb}
^pifj hbfjop{ o`jbi}if []& Nifo ]inpfjif F`ji~i , [`~w`~c"
imihil w`nijib n`~bop} 1
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58/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
i& Nbmifj C{`~iwbcfih Mifi
Nbmifj bfb n`~dpfjwb pf}po e`fjlbe{pf mifi mi~b
eiwri~ioi} i}ip mi~b {blio o`}bji& Mihie ~ifjoi e`fjlbe{pf mifi
mifi }`~w`np}( []& Nifo ]inpfjif F`ji~i , [`~w`~c" e`fj`hpi~oif
n`~nijib a`fbw {~cmpofri( rib}p1
9& ]inpfjif Ni}i~i
]inpfjif Ni}i~i imihil a`fbw wbe{ifif n`niw rifj
mbw`h`fjji~ioif ch`l Nifo ]inpfjif F`ji~i rifj mb{`~pf}poif
nijb w`hp~pl eiwri~ioi} Bfmcf`wbi m`fjif eiowpm pf}po
e`enpmirioif o`nbiwiif pf}po e`finpfj&
>& ]inpfjif Ni}i~i Oif}c~ [cw mif Jb~c
]inpfjif Ni}i~i Oif}c~ [cw mif Jb~c imihil a`fbw wbe{ifif
n`niw rifj mbo`hchil ch`l []& Nifo ]inpfjif F`ji~i ,[`~w`~c"
e`hihpb hco`}hco`} oif}c~ [cw mif jb~c mb w`hp~pl zbhiril
Bfmcf`wbi&
7& M`{cwb}c
M`{cwb}c imihil wbe{ifif {blio o`}bji {imi nifo rifj
{`fi~boiffri lifri mi{i} mbhiopoif mihie aifjoi zio}p }`~}`f}p
e`fp~p} {`~aifabif nifo m`fjif {blio o`}bji nibo mihie ~p{bil
i}ip mihie tihp}i iwbfj&
=& Jb~c
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
Jb~c imihil wbe{ifif {blio o`}bji {imi nifo rifj {`fi~boiffri
lifri mi{i} mbhiopoif w`}bi{ wii} m`fjif e`fjjpfioif g`o(
wp~i} {`~bf}il {`eniri~if hibffri i}ip {`ebfmilnpopif&
0& W`~}bdboi} M`{cwb}c
W`~}bdboi} M`{cwb}c imihil wp~i} n`~li~ji i}iw pfapo mihie ~p{bil
i}ip tihiw rifj mi{i} mb{`~apihn`hboif&
n& Nbmifj C{`~iwbcfih O~`mb}
Nbmifj c{`~iwbcfih o~`mb} bfb n ~dpfjwb pf}po e`frihp~oif
o`enihb mifimifi rifj }`hil n`~liwbh mblbe{pf ch`l []& Nifo
]inpfjif F`ji~i ,[`~w`~c" o`{imi eiwri~ioi} e`hihpb diwbhb}iw
{bfaieif i}ip o~`mb}&
Imi{pf diwbhb}iw o~`mb} rifj mb}izi~oif o`{imi eiwri~ioi}
if}i~i hibf imihil w`nijib n`~bop}1
i& O~`mb} Wzimifi
Rib}p mbn`~boif o`{imi fiwinil rifj e`e`~hpoif mifi
w`j`~i m`fjif aiebfif }inpfjif i}ip m`{cwb}c rifj mb}`e{i}oif mb
Nifo N]F&
Wri~i} wri~i} mif o`}`f}piffri
[`~c~ifjif i}ip h`eniji
9& ]`hil n`~pwbi >9 }ilpf i}ip }`hil e`fboil&
>& E`ebhbob wbe{ifif mihie n`f}po }inpfjif#m`{cwb}c mif
e`e`fplb wri~i} pf}po mbaimboif aiebfif o~`mb}&
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60/89
Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
7& Aifjoi zio}p o~`mb} ebfbeih 7 ,}bji" nphif eiowbeih 9 ,wi}p"
}ilpf mif mi{i} mb{`~{ifaifj i}iw {`~w`}papif Nifo N]F&
n& O~`mb} [`~peilif [`~pwiliif ,O[["
Rib}p o~`mb} rifj mbn`~boif o`{imi {`~pwiliif pf}po
e`fr`mbioif diwbhb}iw {`~peilif mbfiw {`~pwiliif i}ip{pf diwbhb}iw
{`ebhboif ~peil {`jizib rifj mbmiwi~oif {imi o`~aiwiei if}i~i
N]F m`fjif {`~pwiliif mihie e`fmpopfj {~cj~ie {`~peilif&
Wri~i}wri~i} mif o`}`f}piffri1
9& [`eclcfif imihil {`~pwiliif i}ip Nimif pwili&
>& E`ebhbob ~`o`fbfj Jb~c mb Nifo N]F&
7& Imi gce{ifr jpi~if}`` mi~b {`~pwiliif&
O`}`f}pif o~`mb}fri1
9& Eiowbeih o~`mb} w`n`wi~ :0 % w#m 2; % mi~b nbiri
{`enifjpfif i}ip li~ji {`en`hbif ~peil&
>& Aiebfif o~`mb} imihil ~peil mif }ifil rifj mbnbirib mi~b
O[[&
7& Aifjoi zio}p o~`mb} wie{ib m`fjif 90 }ilpf&
g& ^`ih Giwl
Rib}p {`fr`mbiif mif }pfib nijb fiwinil pf}po n`~nijib
o`{`~hpif mif mi{i} mb}i~bo w`zio}pzio}p , w}ifm nr hcif"&
Wri~i} mif o`}`f}piffri1
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
9& [`eclcf imihil ZFB( pwbi ebfbeih >9 }ilpf i}ip }`hil
e`fboil w`~}i {imi pwbi 40 }ilpf o~`mb}fri }`hil hpfiw&
>& E`ebhbob O[^ i}ip o~`mb} {`~c~ifjif hibf mb Nifo N]F&
7& Mifi mi{i} mb}i~bo mbw`hp~pl ai~bfjif I]E Nifo N]F
e`fjjpfioif oi~}p^`ih Giwl i}ip mb hco`}hco`} Nifo N]F&
O`pfjjphif1
9& Mbn`~boif i}iw o`h`nblif ijpfif o~`mb}( oi~`fi imifri
{`fp~pfif cpw}ifmbfj o~`mb}&
>& Aifjoi zio}p 9> nphif mi{i} mb{`~{ifaifj&
7& Wpop npfji h`nbl ~`fmil mbnifmbfj {~cmpo w`a`fbw mb nifo
hibf&
=& N`niw nbiri {~cw`w&
m& OEO Lcpwbfj ^`hi}`m
Rib}p o~`mb} ecmih o`~ai( mbn`~boif pf}po {`enbiriif
o`np}plif ecmih o`~ai( olpwpwfri w`o}c~ bfmpw}~b rifj }`~oib}
m`fjif {`~peilif( }`~eiowpm pwilipwili {`fpfaifjfri&
Wri~i} mif o`}`f}pif 1
9& [`eclcf imihil nimif pwili rifj n`~n`f}po {`~w`c~ifjif
}`~ni}iw ,[]"( Oc{`~iwb( Ririwif( [`~w`~cif Oceifmb}`~
, GT "( mif [`~c~ifjif&
>& N`~o`mpmpoif mihie zbhiril ^&B&
7& E`ebhbob {`~bqbfif pf}po e`hiopoif o`jbi}if pwili&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
=& ]`hil e`faimb {`e`jifj ~`o`fbfj jb~c mb Nifo N]F&
0& Ijpfif {coco n`~p{i {~cr`o#pwili rifj mbnbirib mif
ijpfif }ienilif rifj mb}`f}poif ch`l Nifo&
O`pfjjphif 1
9& OEO mbn`~boif eiowbeih :;% mi~b o`np}plif ecmih o`~ai&
>& olpwpw pf}po { ~eclcfif GT #{`~c~ifjif eiowbeih o~`mb}
^{& 0;;&;;;&
7& Aifjoi zio}p eiowbeih o~`mb} 9< nphif&
`& O~`mb} Pwili Ebo~c mif O`gbh
]papif OPEO pf}po e`fbfjoi}oif iow`w pwili ebo~c mif
o`gbh }`~limi{ mifi {bfaieif rifj n`~iwih mi~b Wp~i} P}ifj
[`e`~bf}il ,WP[" pf}po {`enbirif bft`w}iwb mif ecmih o`~ai
m`fjif {`~wri~i}if rifj ~`hi}bd ~bfjif mif }`~aifjoip&
A`fbw pwili1
9& Pwili Ebo~c
i& Pwili O`gbh
Eiowbeih O~`mb} 1
9& Pwili Ebo~c( wie{ib m`fjif ^{& 0;&;;;&;;;
>& Pwili O`gbh( wie{ib m`fjif ^{& 0;&;;;&;;;
[`enbiriif w`fmb~b ,wli~`"
9& Ebfbeih >;% mi~b o`np}plif ecmih o`~ai( pf}po
OPEO ecmih o`~ai&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
>& Ebfbeih >0% mi~b o`np}plif ecmih o`~ai( pf}po
OPEO bft`w}iwb&
Aifjoi Zio}p O~`mb}1
9& Aifjoi zio}p OPEO ecmih o`~ai eiowbeih ,wi}p" }ilpf mif
mi{i} mb{`~{ifaifj eiowbeih ,mpi" oihb m`fjif
e`e{`~}benifjoif ocfmbwb pwili mif{`~dc~eifg` M`nb}p~&
>& Aifjoi Zio}p OPEO bft`w}iwb eiowbeih ,hbei" }ilpf
}`~eiowpm }`fjjifj zio}p {`eniri~if ifjjwp~if
,j~ig`{`~bcm"? aifjoi zio}p eiwi }`fjjifj eiowbeih ,wi}p"
}ilpf&
=& [~cw`mp~ [`en`~bif O~`mb}
[~cw`mp~ {`en`~bif o~`b} }`~w`np} mbnijb n`n`~i{i }ili{ w`nijib
n`~bop}1
i& ]ili{ [`~eclcfif o~`mb}[`~elcfif o~`mb} rifj mbiapoif gihcf m`nb}p~ #{`eclcf
o~`mb} pf}po w`epi a`fbw o~`mb} imihil wiei m`fjif n`~bwboif
mcope`f mcope`f w`{`~}b n`~bop}1
9& Mcope`f bf}b( }`~mb~b i}iw1
9& Dc}cgc{r Oi~}p Bm`f}b}iw ,O]["
>& [iw{lc}c wpieb mif bw}~b
7& Oi~}p O`hpi~ji
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
=& Wp~i} o`}`~ifjif {`~bfgbif {`fjliwbhif olpwpw {`eclcf
n`~{`fjliwbhif }bmio }`}i{
0& Wp~i} o`}`~ifjif }`e{i} n`o`~ai # }`e{i} pwili
>& Mcope`f {`fmpopfj( }`~mb~b mi~b1
9& Wp~i} Fboil
>& ^`o`fbfj ]inpfjif Ni}i~i # Jb~c N]F
7& Wp~i} O`}`~ifjif mi~b M`t`hc{`~ # {`fapih ~peil
=& N`~oiw o`h`fjoi{if mi}i hibffri( w`{`~}b1
i" Aboi {`eclcf [FW # IN^B #Wb{bh IN^B # NPEF
#Wziw}i N`wi~
9& Oi~}p {`jizib # {`fwbpf ,FB["
>& Wp~i} o`}`~ifjif o`{ifjoi}if # aini}if }`~iolb~
7& Wp~i} o`}`~ifjif {`fwbpfif # {p~fizb~izf
=& ^`oce`fmiwb iwp~ifwb IN^B
0& Wp~i} opiwi {`ec}cfjif jiab
n" Aboi {`eclcf zb~iwziw}i { ~c~ifjif #wziw}i #{`o`~ai
{~cd`wbcfih&
9& Io}` {`fmb~bif {`~pwiliif , aboi {`eclcf w`nijib
ocebwi~bw # Mb~`owb"
>& Wp~i} Bqbf Pwili
7& Wp~i} O`}`~ifjif Hp~il # Giei}
=& ]ifmi Mid}i~ [`~pwiliif
0& Wp~i} Bqbf ]`e{i} Pwili
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
4& Oi~}p Iwo`w ,aboi imi"
:& F[Z[ {`~pwiliif
& Lpnpfjif if}i~i Nifo ]inpfjif F`ji~i m`fjif {`eclcf
,o~`mb}p~m`nb}p~"
7& Lio mif o`ziabnif m`nb}p~
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
0& Gcfmb}bcf cd @gcfcebg ,ocfmbwb `ocfceb"
]ili{ ifihbwi imihil }ili{ mbeifi nifo ioif e`hiopoif
ifihbwi }`~limi{ {`~eclcfif rifj }`hil mbiapoif ch`l
m`nb}p~#{`eclcf& [blio nifo rifj }`hil e`hiopoif zizifgi~i
}`~limi{ {`eclcf o`epmbif e`fjifihbwifri mbeifi dc~ephb~
{`~eclcfif( n`~oiw o`h`fjoi{if mi}i mif liwbh zizifgi~i ioif
mbwpwpf mihie wpi}p Mid}i~ Pwphif [`eclcf ,MP["&
Mid}i~ Pwphif [`eclcf }`~w`np} mbiapoif o`{imi wpi}p
oceb}` rifj mbw`np} ^i{i} Oceb}` O~`mb} ,^iocemb}" pf}po
e`en`~boif o`{p}pwif i}iw {`~eclcfif o~`mb} }`~w`np} O`{p}pwif
^iocemb}( mi{i} 1
9& Mbw`}papb oi~`fi e`e`fplb wri~i}wri~i} mif o`}`f}pif Wp~i}
[`f`jiwif [`~w`}papif [`en`~bif O~`mb} ,W[7O"
>& Mb}chio oi~`fi }bmio e`e`fplb wri~i}wri~i} mif o`}`f}pif
W[7O
7& Mbw`}papb m`fjif {`~wri~i}if }`~}`f}p&
Mihie ^iocemb} {`~w`}papif {`~eclcfif o~`mb} mbw`}papb
{ihbfj w`mbob} = i}ip 0 c~ifj rifj e`en`~boif o`{p}pwif o~`mb}
}`~w`np}& Aboi o`{p}pwif ^iocemb} imihil mbw`}papb i}ip mbw`}papb
m`fjif {`~wri~i}if( eioi W[7O mi{i} mb}`~nb}oif& Mif aboi
{`~eclcfif o~`mb} mb}chio( eioi {blio Nifo ]inpfjif F`ji~i ioif
e`en`~boif wp~i} [`en`~b}ilpif o`{imi gihcf m`nb}p~&
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Iwfb Aphbi}b Wblcenbfj 1 Ifihbwbw Wbw}`e [`fjiziwif [`en`~bif O~`mb} [imi []& Nifo ]inpfjif F`ji~i ,[`~w`~c " Ginifj E`mif( >;9;&
g& ]ili{ O`{p}pwif O~`mb}
W[7O mbn`~boif i{inbhi liwbh o`{p}pwif ^iocemb} mihil
mbw`}papb i}ip }bmio mbw`}papb m`fjif {`~wri~i}if& Wp~i} [`f`jiwif
[`~w`}papif [`en`~bif O~`mb} ,W[7O" n`~bwboif if}i~i hibf 1
A`fbw o~`mb} ,w`wpib o~`mb} rifj mbienbh"
9& Apehil eiowbepe o~`mb}
>& Aifjoi zio}p o~`mb}
7& Wpop npfji
=& Ifjwp~if {`~ nphif