ANALISIS PROSEDUR PEMBERIAN DAN PENGELOLAAN KREDIT KEPADA NASABAH

Economic activities of a country can not be separated from the traffic payment of money, which financial institutions provide an important role in regulating economic activity of an negara.Bank must be careful in giving credit and take over management of the debtor. The aim of this thesis is to find out how the procedure PD lending to customers. Rural, Djoko Tingkir Sragen Regency, customer loan disbursement procedures for PD. Rural, Djoko Tingkir Sragen Regency and to know the management of credit disbursed to the customer after PD. Rural, Djoko Tingkir Sragen Regency. Place of research in PD. Rural, Djoko Tingkir Sragen Regency. To obtain the data required in the preparation of this final project used multiple methods of data collection analysis, among others: the observation methods, interview methods, methods of documentation, literature methods. Type of data in this research using primary and secondary data. Results of research to know that the procedures and disbursement of credit to customers in PD. Rural, Djoko Tingkir Sragen been appropriate in the PD director decisions. Rural, Djoko Tingkir Sragen Number: 581/138/BPR/VIII/2008. In managing credit has been disbursed to clients PD. Rural, Djoko Tingkir Sragen need to improve the way credit management because management did less well with the trend increase in the NPL annually. The results showed that the analysis procedures and loan disbursement on PD. Rural, Djoko Tingkir Sragen is good because it has been appropriate in the PD director decisions. Rural, Djoko Tingkir Sragen Number: 581/138/BPR/VIII/2008. Credit management by the bank management is less well because of the increase in NPLs. but the author gives an alternative, among others, granting and withdrawal procedures should be maintained because it was good, and improving management of the collectibility of the installment credit so smoothly. Keywords: Provision and management of Credi