Analisis Pemberian Kredit Modal Kerja Sebagai Upaya Mengantisipasi Terjadinya Kredit Bermasalah (Studi Pada PT. Bank Rakyat Indonesia (Persero), Tbk Kantor Cabang Kawi, Kota Malang)

Bank providing a wide range of credit one of them is working capital loans. The era of globalization is currently bringing the business sector can not be separated from the working capital needed. The business sector would require funds or capital to expand its business. One way to help develop the business is with exacting working capital loans at financial institutions called banks. In the procedure of working capital loan to be good, because the lending procedures have an effect on the smooth working capital loans in order to avoid non-performing loans or loan arrears. This research is descriptive research method receipts, Based on the findings that the process of implementation of working capital lending procedures at PT. Bank Rakyat Indonesia (Persero), Tbk Kawi Malang Branch has been good and in accordance with the existing theory. Non-performing loan in 2012 and 2014 above the Bank Indonesia provisions which amounted to 5%, while for Loan Deposit Ratio in the last 3 years performance is not healthy because it is not within the range of 78% -100% set by Bank Indonesia