ANALISIS PELAYANAN PROSES PEMBERIAN KREDIT PADA PD. BANK PERKREDITAN RAKYAT ROKAN HILIR CABANG KUBU KABUPATEN ROKAN HILIR

  • M Rojali
  • Indra Safri
Keywords: Character, Capital, Capacity, Codition Of Economic, Collateral and Constraints

Abstract

Local Companies Rokan Hilir Rural Bank Branch of Kubu RokanHilir Districkis an
institution that was established with the main objective to collect funds from the public
and distribute it to the public in the form of credit. Given credit banks help people in
venture capital and other procurement. Problems arising in the provision of credit is
not the return of credit according to the agreement that has been established, with no
return of the credit or credit problems it will be risky to smooth the business of the
bank. Therefore, the provision of credit required in the process of analyzing the
maximum credit to avoid a credit crunch. The purpose of this research is to determine
the theloan processing services on a regional Companies Rokan Hilir Rural Bank
Branch of Kubu RokanHilir Districk. Lending procedures in Local Companies Rokan
Hilir Rural Bank Branch of Kubu RokanHilir Districk starting from the loan
application by the customer and then Accounts Officer analyze the application and the
completeness of the existing terms and then conducted a survey of businesses, credit
guarantees and credit manager will determine whether or not credit is given. This type
of research is quantitative type, the research emphasizes on the analysis of numerical
(numbers) are processed with statistical methods, so as to obtain result of the variables.
Methods of collection was done by a list of questions (questionnaire), interviews,
observation, and documentation.The operational variables of this research isCharacter,
Capital, Capacity, Codition Of Economic, Collateral and Constraints. The results of
this research to the Character and Capital is good enough, Capacity is good,
whileCodition Of Economic and Collateralthe result is good enough, andabout
Constraints the results is good enough. The conclusion of the study showed that theloan
processing services on a regional Companies Rokan Hilir Rural Bank Branch of Kubu
RokanHilir Districk is good enough.

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