Prosedur Pengajuan dan Evaluasi Kelayakan Kredit oleh Calon Debitur pada PT. Bank Sumut

Abstract

This final project aims to analyze the procedure for submitting and evaluating creditworthiness by prospective borrowers at Bank Sumut. Credit is one of the important banking services in supporting economic growth. However, proper credit can be complex and requires careful attention to ensure the continuity of the debtor's business activities and reduce credit risk. The results of this observation indicate that the procedure for applying for credit by prospective borrowers at Bank Sumut includes the stages of document collection, creditworthiness analysis, risk evaluation, and credit decisions. This study is expected to provide a better understanding of the procedures for submitting and evaluating creditworthiness implemented by Bank Sumut. The results of this study are expected to provide input for Bank Sumut in increasing the effectiveness and efficiency of the credit application and evaluation process, so as to minimize credit risk and provide better service to prospective borrowers.