Prosedur Pelaksanaan Pemberian Kredit Pensiun pada PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan

Abstract

Procedure is a series of related tasks which are sequences according to time and certain procedures for carrying out a job that is carried out repeatedly. Credit is the provision of money or bills that can be equated with it, based on a loan agreement or agreement between the bank and another party, which requires the borrower to pay off the debt after a certain period of time with interest. This study aims to: find out the requirements that must be met by prospective debtors when applying for a pension loan at the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan, find out the mechanism of the pension credit granting process at the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan, find out the obstacles experienced The PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan when it will provide pension credit to prospective debtors, and how to overcome obstacles in the process of providing pension loans at the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan. The results of this study indicate that the requirements that must be met by prospective debtors to obtain a loan are generally the same as the requirements for pension loans in general, but there are several requirements that have differences which are of course adjusted to the regulations at the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan. The process of providing pension credit at the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan is good and in accordance with the Company's Operational Standards. The obstacles experienced include, the prospective debtor is negligent or does not know the terms and conditions specified in the pension credit agreement and also the prospective debtor has difficulty understanding information regarding pension credit services offered by the PT Bank Tabungan Pensiunan Nasional Kantor Cabang Medan. These obstacles can be overcome by providing a brochure on pension credit in which the credit terms are written in more detail and clearly.