ANALISIS PROSEDUR PEMBERIAN KREDIT PADA BANK PERKREDITAN RAKYAT (BPR) INGIN JAYA LAMBARO ACEH BESAR

Abstrak

ABSTRACT

Keywords: Procedure, Credit, Rural Bank (BPR)

This research entitled: Analysis of crediting procedures at rural banks (BPR) Ingin Jaya Lambaro Aceh Besar. The purpose of this research is to know the crediting procedure conducted by BPR Ingin Jaya Lambaro Aceh Besar, and to find out the obstacles faced in lending by rural Bank (BPR) Ingin Jaya Lambaro Aceh Besar. Objects in this study are data related to crediting procedures at BPR Ingin Jaya Lambaro Aceh Besar. Sabjek this research that is the leadership and part of credit, determination sabjek pursuant to purposive sampling. Descriptive research type, research approach that is qualitative. Data collection techniques used for field research, observation, structured interviews, and documentation. The result of the research shows that crediting procedure used by BPR Ingin Jaya Lambaro Aceh Besar is credit application stage, credit analysis phase, completion stage of credit administration, signing of credit agreement, credit realization, distribution or withdrawal of fund. The type of credit provided by BPR Ingin Jaya Lambaro Aceh Besar is micro credit in small amounts to finance various types of businesses in economics, micro, small and medium scale. The obstacles faced by BPR Ingin Jaya Lambaro Aceh Besar is that some debtors falsify the purpose of credit application, this is only known at the time of the occurrence of bad debts, so that it can harm the banks.