PEMBERIAN KREDIT USAHA MIKRO KECIL DAN MENENGAH (UMKM) PADA PT. BANK PERKREDITAN RAKYAT (BPR) TABUNGAN RAKYAT MAKASSAR

Abstract

This research aims at finding out the mechanism of credit distribution in PT. Bank Perkreditan Rakyat (BPR) Tabungan Rakyat Makassar. The method used in this research was descriptive and comparative. Data were collected by observation, interview and documentation. The result of this research showed that the procedure of credit distrubution in PT. Bank Perkreditan Rakyat (BPR) Tabungan Rakyat Makassar is in accordance with the standard and used 5C based analysis (Character, Capital, Capacity, Colletral and Condition of Economy) in making credit decisions to reduce the risk of bad debt. The realization of credit disbursement at the bank has been developing every month to maximize the company’s profits. The bad debt has decreased each month because an improved of loans analysis and the Non Performing Loan (NPL) target which must be in accordance with the target set by the bank for each moth.