Analisis Sistem Dan Prosedur Pemberian Kredit Modal Kerja Guna Mendukung Pengendalian Kredit (Studi Kasus Pada PT Bank Rakyat Indonesia (Persero) Tbk Cabang Kawi Malang)

Abstract

The Bank has a very important role, namely in processing funds or allocating of public funds to be channeled public funds in the form of credit. Credit control is very important. Therefore, credit must be with prudence and with a good credit control system.This research purpose was to know how to analyze the system and procedure ofworking capital crediting applied by Bank Rakyat Indonesia (Persero), Tbk Kawi Malang to support credit control. This type of research used a descriptive research with qualitative approach. From the research, the researcher knew some weaknesses in the procedures of crediting of working capital and credit control as in the analysis stage credits was the number of tasks. In addition, the credit control was also seen some weaknesses that should had been fixed, such as documents used inadequate, and improved the flow in more easily understood at the time of the credit application to credit disbursement. Advice that cloud be given namely the distribution of the duty for the judgment of assurance or collateral and judgment analysis credit, the form register candidates debitor at the time entreaty credit that contains on the identity of customes to minimize fraud in supplication credit