Prosedur Pemberian Kredit Usaha Rakyat pada PT. Bank Tabungan Negara (Persero) Tbk Kantor Cabang Medan

Abstract

PT. Bank Tabungan Negara (Persero) Tbk is a State-Owned Enterprise (SOE) authorized to implement the People's Business Credit (KUR) program. Credit offered by BTN to help provide capital to debtors in starting their business. The data collection techniques used were interviews, observation and document review. Based on the research conducted, the procedure for granting people's business credit (KUR) at PT. Bank Tabungan Negara (Persero) Tbk KC Medan must fulfill the conditions that have been determined by the bank by including a complete people's business credit application letter. The results of research conducted at PT Bank Tabungan Negara (Persero) Tbk Medan Branch Office show that the implementation of the provision of People's Business Credit (KUR) at the bank goes through several interrelated procedures, namely the first stage of pre-realization, the second stage of realization, the third stage of post-realization.