Institutional Repository | Satya Wacana Christian University: Prosedur Pemberian Kredit Pegawai pada PT. Bank Perkreditan Rakyat Ambarawa Hartasarana

ABSTRACT

Banks is also known as financial intermediaries who have an important role
in the economy. Bank business is unique, because banks operate their business by
using the funds of others, and the banks were able to manage the funds properly. PT.
Hartasarana Ambarawa Rural Bank is one of the financial intermediaries.
One of the efforts of the PT. BPR Ambarawa Hartasarana is allocated the
fund or it is better known as credit. In allocating the loan, the bank must have a
confidence in the Prospective Debtors as a form of the precautionary principle. So
before the credit disbursed, there are steps or procedures to be followed. To be able
to know the procedure of lending by banks, the writer conducts an internship at PT.
BPR Ambarawa Hartasarana . The apprenticeship activities lasted for three months.
The writer conducts an internship in the Office of Operations and Fund Credit,
exactly in the Account Officer .
During the internship activities take place, it can be concluded that the
application of the procedures for granting credit in PT. BPR Ambarawa Hartasarana
generally has been good, according to the Law of the Republic of Indonesia Number
07 of 1992 concerning Banking as amended by Act of the Republic of Indonesia
Number 10 of 1998 Section 8, namely in terms of the ability of candidates to obtain
debtor before credit is granted.

Keywords: Procedure Lending, Loan Procedure