PROSEDUR PEMBERIAN KREDIT UMUM PEDESAAN (KUPEDES) PADA PT BANK RAKYAT INDONESIA (PERSERO) Tbk UNIT PUDAKPAYUNG

Credit is a financial facility that allows a person or business entity to borrow money to buy products and pay it back within a specified time. PT. Bank Rakyat Indonesia (Persero) Tbk is a government bank conducting conventional banking. One form of activity is the provision of Rural Public Credit (Kupedes). PT Bank Rakyat Indonesia (Persero) Tbk. Units Pudakpayung decreased lending for three years (2014-2016) continuously from the specified target. This indicates there is a problem of decreasing the amount of credit has not been as expected. This research is a research with the technique of collecting interview data and using descriptive analysis. The conclusions that can be drawn from the discussion of this writing is the crediting process consists of the loan application stage, evaluation and analysis phase, stages of agreement and disbursement. The procedures applied are quite good because they are in line with company regulations. Bank BRI Units Pudakpayung has implemented the element of supervision effectively. Barriers during the credit process that occurs is the slow process of seeking information debtor, bad network system, credit analyst service kupedes less than the maximum and credit analysts are often less accurate in analyzing the ability to pay debtor candidates. So my advice is that credit analysts are more thorough in analyzing customers, head of BRI Units Pudakpayung and supervisor still need to improve supervision on credit analyst performance and improvement of debtor information systems network