PROSEDUR PENYALURAN KREDIT USAHA RAKYAT PADA BANK NAGARI CABANG PULAU PUNJUNG KABUPATEN DHARMASRAYA

Ayesha, Prisca and Ukrita, Indria (2018) PROSEDUR PENYALURAN KREDIT USAHA RAKYAT PADA BANK NAGARI CABANG PULAU PUNJUNG KABUPATEN DHARMASRAYA. Jurnal Agrimart, 05 (01).

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Abstract

The provision of KUR or credit by banks aims to improve the economic growth of Indonesia through Micro Small Medium Enterprises. In order to be given credit smoothly then Bank Nagari Branch Pulau Punjung must be selective in giving credit to debtor. A sound and correct crediting procedure is the bank's effort to reduce the risk of lending. Writing This Final Project aims to identify the KUR conducted by Bank Nagari Branch Pulau Punjung, to know the procedure of giving KUR conducted, and to find out the problems contained in the procedure of channeling KUR conducted Bank Nagari PulauPunjung. Student Work Experience Activities are held for 2.5 months. The scope of this final task is the type of KUR, KUR distribution procedures and problems contained in KUR distribution procedures. From the results of the discussion can be identified that Bank Nagari Branch Pulau Punjung applying micro KUR and retail KUR which in the procedure have criteria of prospective borrowers as well as documents requirements. Problems that occur in this KUR distribution procedures include the applicant's identity on credit, Business License, additional guarantee, attitude of credit applicants, and the relationship of credit applicants with other banks.

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