PELAKSANAAN PEMBERIAN KREDIT PEGAWAI NEGERI PADA BANK JATIM CABANG PARE

PAMUKTI, CINDY TRI INDAH (2015) PELAKSANAAN PEMBERIAN KREDIT PEGAWAI NEGERI PADA BANK JATIM CABANG PARE. Diploma thesis, STIE PERBANAS SURABAYA.

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Abstract

Along with the development of an increasingly modern technology resulted in increasing human needs. Given this, people want the product to facilitate their needs. The role of banks as financial institutions is needed in support of national economic activity is increasing and increasingly sophisticated technology. For that banks should be able to create a variety of products and services to meet the needs of diverse communities, as well as trying to make customers trust and feel safe with improving its service. Given the importance of gain or profit to the bank, the bank must perform services that can facilitate customers who want to apply for credit through banks. One type of credit available to Bank of East Java Branch Pare ie civil servants or multipurpose loans, which are loans for all purposes, as long as not contrary to the laws in force, which is given to members of the public who have a steady income. Intended for PNS / ID whose salary is paid by the bank concerned or has no cooperation MOU with bersangutan bank. This credit is offered with a lower interest rate compared to other loans. Terms for opening and disbursements is also very easy and the customer must have a savings account at Bank of East Java is used for at the time of disbursement. For the opening and disbursement procedures are also quite easy and fast. The calculation of interest earned by the customer of course based on the calculation formula set by the bank. Credit guarantees for civil servants is SKPN and for binding by a notary. Barriers that happens usually because of internal and external factors the problem is in the analysis of credit, usually focuses his attention to external factors. For the solution of these constraints is done by the bank and the debtor itself. Keywords: finance, credit servants

Item Type: Thesis (Diploma)
Subjects: 300 - SOCIAL SCIENCE > 332.12 - BANKS & BANKING
Divisions: Finance and Banking Diploma > Practice Working Report
Depositing User: Perpustakaan STIE Perbanas Surabaya
Date Deposited: 07 Sep 2017 01:15
Last Modified: 25 Sep 2017 06:27
URI: http://eprints.perbanas.ac.id/id/eprint/2328

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