Analisis Sistem Prosedur Pemberian Kredit Pada PT. Bank Rakyat Indonesia (Persero), Tbk Unit Muara Burnai Kecamatan Lempuing Jaya
DOI:
https://doi.org/10.31851/jmediasi.v6i1.13190Abstract
ABSTRACT
We will learn how credit is given at PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit Lempuing Jaya District in this study. All of the operations at PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit Lempuing Jaya District are participants in this study. The sampling strategy used in this study was based on the loan procedure at the PT Bank Rakyat Indonesia (Persero) Tbk Murai Burnai Unit in the Lempuing Jaya District. The method of data analysis used is descriptive analysis. This study uses descriptive quantitative research, which collects data and information from the object and the research site according to how they are at the time of the study about a symptom and a fact.The credit granting procedure system used by PT Bank Rakyat Indonesia (Persero) Tbk's Murai Burnai Unit in the Lempuing Jaya District is not entirely consistent with the theory of credit granting procedures, according to the analysis of the system. This is because the system depends on how closely bank employees are related to their clients, which causes credit disbursements to be frequently delayed and not made on time.
Keywords: Procedure System, Credit Granting
ABSTRAK
Dalam penelitian ini akan dipelajari bagaimana pemberian kredit pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya. Seluruh bagian operasional pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya menjadi partisipan dalam penelitian ini. Strategi pengambilan sampel yang digunakan dalam penelitian ini adalah berdasarkan prosedur pemberian kredit pada PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai Kecamatan Lempuing Jaya. Metode analisis data yang digunakan adalah analisis deskriptif. Penelitian ini menggunakan jenis penelitian deskriptif kuantitatif, yaitu mengumpulkan data dan informasi dari objek dan tempat penelitian menurut apa adanya pada saat penelitian berlangsung tentang suatu gejala dan fakta.
Sistem prosedur pemberian kredit yang digunakan oleh PT Bank Rakyat Indonesia (Persero) Tbk Unit Murai Burnai di Kecamatan Lempuing Jaya belum sepenuhnya sesuai dengan teori prosedur pemberian kredit, sesuai dengan analisis sistem. Hal ini disebabkan karena sistem tersebut bergantung pada seberapa dekat hubungan pegawai bank dengan nasabahnya, yang menyebabkan pencairan kredit sering mengalami keterlambatan dan tidak tepat waktu.
Kata kunci: Sistem Prosedur, Pemberian Kredit.
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