Analisis Sistem Keputusan Pemberian Kredit Bagi Calon Debitur pada PT. Bank Rakyat Indonesia (Persero) Tbk Kantor Cabang Poso Unit Kasintuwu

Abstract

Bank as a financial institution has phases and procedures in granting loans to people who want to apply for loans. The credit system is intended to provide ease in the process of submission of credit for customers, so the purpose of this research is to find out the credit system used by PT. Bank Rakyat Indonesia (Persero) Tbk Office Branch Poso Unit Kasintuwu and whether the system used is in accordance with the rules. This research uses qualitative methods through case studies by collecting, compiling and drawing conclusions about the analysis of credit granting of PT. Bank Rakyat Indonesia (Persero) Tbk Office Branch Poso Unit Kasintuwu. Interviews were conducted with a bank that understood how to give credit. Based on the results of the research that has been carried out, it has been shown that the method of granting credit to PT. Bank Rakyat Indonesia (Persero) Tbk Office Branch Poso Unit Kasintuwu has been implemented quite well and in accordance with the regulations of the government that the first stage is the submission of credit, that is, the process of collecting administrative data as a prerequisite for the application of credit. The second stage is credit analysis, analysis of administrative files and visit to the calondebitur place of business. The third stage is a credit decision made by the head of the unit.