| dc.description.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. | en_US |
