Evaluasi Sistem Dan Prosedur Pemberian Kredit Modal Kerja Dalam Upaya Mengatasi Kredit Bermasalah (Studi Pada Pd Bpr Tugu Artha Malang Periode Tahun 2009-2011)

The objective of this research was to understand the evaluation over the system and procedure of conferring work capital credit to address against the default credit at PD BPR Tugu Artha Malang. Research type was descriptive with quantitative approach. The variable of research was the system and procedure of conferring work capital credit and of addressing against the default credit. Result of research indicated that the system and procedure of conferring work capital credit was already good enough. Percentage point of NPL (non-performing loan) was reducing whereas organizational structure was sufficiently good in the allotment of task and responsibility. However, every part of credit application procedure must be given attention. The bank that conferred the credit must recheck the data of customers who applied for credit in order to ensure that credit proposal was consistent to the capacity of customers to pay credit installments. PD BPR Tugu Artha Malang should improve or increase the evaluation over the existing system and procedure of conferring work capital credit by the aim to suppress non-performing loan rate