PROSEDUR PEMBERIAN KREDIT MIKRO PADA PT BPR “CHARIS UTAMA” JATIROGO TUBAN

FITRIYA, NURUL ZAHROTUL (2016) PROSEDUR PEMBERIAN KREDIT MIKRO PADA PT BPR “CHARIS UTAMA” JATIROGO TUBAN. Diploma thesis, STIE PERBANAS SURABAYA.

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Abstract

Banking is the core of the financial system of each country, while the bank itself is one of the financial entities as intermediary between the parties and the excess funds were underfunded. Present time many types of credit offered by the bank in the community and in the business world. One of which is the microcredit intended for the perpetrators of Micro, Small and Medium Enterprises. Credit has the biggest asset when compared with other bank operations. PT BPR "Charis Utama" Jatirogo Tuban is one of the banks that have business in the provision of micro-credit. This scientific work has purpose to know the procedure of submission of micro-credit to customers and to know the procedure of disbursement of micro loans to customers of PT BPR "Charis Main" in Jatirogo Tuban. Procedures which must be met in the provision of microcredit first, must meet the requirements of micro lending documents and costs in the credit process. Second, Flow Micro Lending namely credit entry will Submission, interviews, checks the Debtor Information System, data verification, credit analysis, credit decision, and realisai. Third, Installment calculation microcredit and penalties late payment at PT BPR “Charis Utama" Jatirogo Tuban. Fourth, the closure of microcredit in PT BPR "Charis Utama" Jatirogo Tuban by way of customers coming to the bank, showing proof of payment and the return of papers as collateral. Problems that occur in the provision of micro-credit that is existence of borrowers who apply with fictitious data and debtor arrears micro-credit. Keywords:Procedures, Micro-credit, PT BPR “Charis Utama” Jatirogo tuban.

Item Type: Thesis (Diploma)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
600 - TECHNOLOGY > 658 - GENERAL MANAGEMENT > 658.88 - CREDIT MANAGEMENT
Divisions: Finance and Banking Diploma > Practice Working Report
Depositing User: Perpustakaan STIE Perbanas Surabaya
Date Deposited: 09 May 2017 04:02
Last Modified: 09 May 2017 04:02
URI: http://eprints.perbanas.ac.id/id/eprint/1151

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